vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been using XXXX XXXX for years to monitor my credit score and activity. I noticed on XXXX XXXX there was something that should not have been on the my report. XX/XX/XXXX, is when I started my own investigation and notified all three credit bureaus that my computer had been hacked. And I absolutely did not apply for credit from XXXX or Capital One on this day. I recently paid off Capital One and closed the account. Their response is that it takes up to 90 days for it to remove from report, 90 days has passed. Another issue, was with XXXX XXXX XXXX. After repeatedly contacting XXXX directly and indirectly they refused to remove my name from auto, that my father refinanced thru them and bought from me. XXXX did not show no compassion for the lost of my father, they added pain on top up grief. It took me to file complaint with XXXX XXXX XXXX XX/XX/XXXX. Then and only then is when someone from XXXX called on XX/XX/XXXX to apologize for the inconvenience and that my name will get removed immediately from the auto loan. The origin of this story is that my father purchased a car from me XX/XX/XXXX before he passed and I had been fighting ever since, to clear this mess XXXX made DELIBERATELY AND INTENTIONAL, to remove it from my credit report as being joint owner b/c the car was not in my possession. Bad Business. MY FATHER AND I HAVE BEEN LOYAL FAITHFUL CUSTOMERS FOR OVER 25 YEARS and remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.

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 2018-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
XXXX XXXX I got a loan from them years ago it was paid off to one of there workers XXXX and know they are saying they dont see the payment they have call and harass me concerning this matter even mess up my credit, Im tired of this company doing what they are doing. They need to find my payment because Im not paying again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.

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 2018-11-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
In XX/XX/XXXX & XX/XX/XXXX prior to doing a voluntary repo for my XXXX XXXX XXXX, I had several telephone conversations with XXXX XXXX department discussing the pros & cons in returning my car. 

I was told this return would be listed as a voluntary as long as I return the car to a local Nissan dealer, also incurring NO additional charges or fees. And any balance due would be written off as a loss. 

Nissan is reporting this on my credit bureaus as a charge-off ... not a voluntary repo/ loss which affects my credit tremendously. I have a decent score ... but each month the supposedly balance written off as a loss is showing as a charge-off monthly. 

I currently will be homeless in 3 weeks because no one will accept my credit showing a charge-off. 

Nissan refuses to list my voluntary repo as so or as a total loss written off. I have submitted several disputes with the credit bureaus & Nissan refuses to remove the wording Charge Off. 

Can you please help me to have them correct the reporting issue? 

They have refused so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I been a victim of fraud and identity theft i been trying to fix this for a while with the creditors and there crdit cards banks card and retail card that been open for years o been trying to resolve all this round a round i get from this companies that say theres nothing open. I done reports of this online abd still don't get resolved..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: AES/PHEAA
State: CA

Complaint narrative:
There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
In XX/XX/XXXX, I called Navient to find out if I could begin paying {$300.00} a month towards my student loan debt. I was rudely told by a male Navient customer service rep that {$300.00} was not going to be enough and that if I didnt pay the full repayment amount of {$1400.00} starting immediately, Navient would send my loan to a credit collection agency. I was so distraught from his threatening tone, I hung up the phone crying and without resolution. I was so shaken and felt hopeless that my only financial debt in life would/is my biggest failure ( second guessing the worth of my college degrees ) .The following day, I decided I had to try again and call Navient to settle my debt. I called Navient again and reached a very helpful female customer service rep who listened to my predicament and recommended I applied for the income driven repayment ( IDR ) plan even though I told her I had {$300.00} I could pay each month. I applied and was approved for the IDR Plan and, again, paid {$0.00} payments this past year. Im getting ready to call Navient now to go through this same drill again of finding a repayment plan that will take the repayment amount I have to offer. After reading many stories about other debtors like me going through what I have been through, I felt I needed to contact CFPB so I can possibly get help myself and/or prevent others from going through what Im going through right now. Since graduating from XXXX in XXXX, I have not been able to make payments on my student loans. When I offered to pay {$50.00} each month, I was told it wasnt enough and I might as well file for income hardship deferment or forbearance, which I have been doing for the past 20 years. I now have a total outstanding debt to Navient of {$160000.00}. I just wish Navient would have accepted my offer of $ 50 monthly repayment back in XXXX or at least worked with me on a fair payment amount. The interest that has accrued on my student loans is scary. I didnt even go to XXXX XXXX schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am not positive about the exact date when this situation started but I was alerted to it on XX/XX/XXXX. I logged into my Navient account to discover that one of my signature loans had been put into deferment until XX/XX/XXXX. This action was done without my consent. I was given no notifications about this action by mail, email, phone or otherwise. I have sent Navient an email about this situation and I tried calling their customer service line today on XX/XX/XXXX but they are closed for the holidays. Their automatic phone directory did not say when they would open up again to phone calls. I couldn't find any explanation, on Navient 's website, as to why this action took place. My account claims that this action was taken because I have returned to school. This should not affect my loan status. My loans should never be tampered with, without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX XXXX XXXX. Their Attorneys XXXX, XXXX, XXXX and XXXX XXXX, their Local local Attorneys the law offices of XXXX and XXXX, XXXX XXXX the special representative for the bank, the 2 Judges who sat on the Case Jugde XXXX and Judge XXXX, the Circuit Clerk XXXX XXXX, the Recorder of Deeds XXXX XXXX, the Sheriff of XXXX County, the XXXX Police Department, The XXXX XXXX XXXX Lady XXXX XXXX for evicting me and destroyment of my property in violation of the False Claims act and the Federal and Illinois Servicemember Civil Relief Act, they all have defrauded me out of property and defrauded the United States Government Fraudulent False Claims against the FHA, FHA Case # XXXX they all have failed to validate the debt pursuant the Fair Debt Collections Practices Act, suing dead people is legally impossible Case # XXXX, XXXX County, Illinois XXXX XXXX XXXX XXXX XXXX. vs XXXX XXXX XXXX ( Deceased ) they have engaged in fraud the court lacked subject matter Jurisdiction and personal Jurisdiction, XXXX XXXX XXXX XXXX XXXX. and their associates has engaged in a pattern and practice of submitting falsified documents Robotic signing of falsified documents. To obtain illegal Judgements of Foreclosure of Sale and to obtain insurance payments from the FHA ( Loan Scams ) they have illegally evicted me in violation of the SCRA Federal and State Fair Housing and Consumer Protection Laws, I was not the alledged mortagor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed my credit report, that I monitor thru XXXX XXXX showed that I applied for credit from XXXX and XXXX XXXX Card Services onXX/XX/XXXX. I immediately notified all credit bureaus and consumers that my computer had been hacked and I DID NOT apply for any credit on this day. I have submitted statements from XXXX XXXX XXXX acknowledging that they would remove from report. But it still remains. Consistently contacted XXXX, Trans Union and XXXX TO NO AVAIL.

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 2018-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Credit Corporation
State: AZ

Complaint narrative:
I applied for Avant Credit Card around XX/XX/2018 and I was approved. I called Avant to add mailing address and I was told they can't mail to US PO Box so fast forward two months later I still never revived the card at my physical address. I finally called to cancel the credit card. My understand under the US Patriot act credit card companies are required to have verified physical address on file when a customer applies for a loan or credit card however customers can use a US Post Office Box as mailing address. Avant is only company in the country that does not mail to US PO Boxes and I feel they should not be allowed to offer credit cards to any customers at all till they update their ridiculous policy and allow mail to go US PO Boxes. I will never do business again with Avant I just want to offer my feedback to warn other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I disputed a charge that I know i didnt do. It was XXXX dollars from a moving company i did not hire. They reversed the charges and say they now have proof it was valid. They sent me paperwork that clearly wasnt my signature at all. I even had to get a new debit card. Why would I do that if I authorized this transaction. Now they are trying to debit my account XXXX and will put my account into the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 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:
There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.

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 2018-11-23 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:
There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.

Company response to consumer: Closed with explanation