vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Attempted to issue a security freeze on Equifax 's automated telephone system. The system is suffering outages and I could not issue the security freeze.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
To Whom It May Concern : After the discharge of my bankruptcy in XX/XX/XXXX, I received paperwork and phonically from Navient reporting I was past due on my account. This was an account I was not aware even existed. They assured me it belonged to me and that they were the holders of a student loan debit and would be servicing the account. Little information was provided to me and I should have probed further at that time, but I went ahead and assumed it to be my responsibility. As a result I have been making monthly on time payments to the loan since then ( XXXX XXXX ) In the past several weeks I have been gathering information for all of my student loans ( interest rate, estimated payoff date ) for the consideration of consolidation and refinancing. This of course includes the above loan with Navient. 

While digging through the different tabs on Navients website, I discovered this loan was dispersed to a institution ( XXXX XXXX XXXX XXXX California ) I have never attended nor applied to with a disbursement date of almost 10 years ago! I quickly got on the phone with the company who transferred me to the fraud department. I spoke with " XXXX '' who confirmed that I indeed never attended that university. Unfortunately he could provide no further information on the loan and advised me to complete an ID Theft Affidavit. 

On Sunday XX/XX/XXXX I faxed 16 pages worth of personal information to Navient for my theft affidavit. This included social security cards, drivers licenses and passports. After three phone calls they confirmed yesterday that they did not receive my information nor could they speak to where it might be. The fax number was confirmed to be correct and the first page of the affidavit offers to reassure customers that personal security is important and my information would be protected. When asked to speak to a manager I was told no one was available. This is a recurrent theme with Navient where no one answers or you are prompted to leave a message and no one returns the call. 

I again spoke with " XXXX '' yesterday who provided another fax number and another mailing address ( from the original that came with the original fax number ). No sense of concern at all for this pertinent missing personal information was communicated. So now I I have had to freeze my credit which required a fee in my state and pay to notarize paper work for the purpose of the affidavit and continue to pay a loan that was issued to a school I never attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I was trying to find out if my personal information was breached from XXXX. I Called Equifax and took all my information again and told me to sign up on TrustedID.com and told me that I have to pay them to protect my information after a year of service. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX/XXXX/XXXX I was contacted by XXXX XXXX of Procollect for an oustanding debt of {XXXX}. I asked what the payment arrangements were because I am not able to afford to pay this off all at once. He told me I could do 6 months which works out to {XXXX} per month. I told him that I could not afford that and were there any other options and he stated no and that he was going to mark my account as refusal to pay. I asked to speak to a supervisor and he refused. 

I asked him to send me something in the mail to validate the debt. I honestly have not received any letters from this company. He said he needed to look up my account again, said something about late rent, asked if I had a pen and paper so I could write it down and then he refused to validate the debt, saying that your company has already sent me something.

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On X/XX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XXXX XXXX 2017 and I have not heard from XXXX  or Equifax at all regarding these matters. Additionally, XXXX 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is continuing to report two accounts from XXXX XXXX that the collection agency has requested them to remove. I filed a complaint with the XXXX in XX/XX/XXXX and the collection agency stated they contacted all three bureaus in XX/XX/XXXX to have the accounts removed. I have called, faxed and sent a certified letter to Experian showing them proof that the accounts were disputed. XXXX and XXXX removed all the accounts within XXXX days, Experian has removed all but two of the accounts. When I called Experian in XXXX and spoke with XXXX he stated they had not received anything from me or any collection agencies since XXXX and he refused to assist me further with getting the additional collection accounts removed. These remaining accounts being reported by Experian are affecting my ability to obtain a mortgage and have caused me damages. I have attached a copy of the original complaint and the resolution from XXXX as well as the documentation I have sent to Experian SEVERAL times requesting that the accounts be removed.

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XX/XX/XXXX2017 and I have not heard from Transunion or XXXX at all regarding these matters. Additionally, XXXX 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On X/XX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XXXX XXXX, 2017 and I have not heard from XXXX or XXXX at all regarding these matters. Additionally, Experian 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a  violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.

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 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: CT

Complaint narrative:
Hello CFPB, I am writing to you to report a credit card company that I have had a relationship with for several years and have had a good history with who refuses to lower my interest rate. I have called yearly for the past several years and have requested a drop in my interest rate and have been told repeatedly that I am not eligible for any drop in my rate at this time. In all of the time I have had this card I have had 1 ( one ) late payment that was not more than 30 days and my interest rate was raised. I have had a good history with this company before this incident and have had a good history after this incident and have been repeatedly told that I am not eligible to have my rate lowered. I also receive call from someone trying to gain access to my account and personal information claiming to represent this company and when I reported this call to the customer service representative I was told that she had received these calls as well but there was nothing she could do about it and seemed to be careless in regards to attempts on customer 's information. I asked her if she was going to file a report so her company could investigate this and she replied " Nah, this type of thing happens all of the time ''.

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 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
I closed on the sale of my house in XXXX XXXX, MO on XXXX XXXX, XXXX. The property was encumbered by mortgage held by Nationstar Mortgage dba Mr. Cooper. 

The payoff demanded was inclusive of interest through the end of XXXX which I questioned with settlement agent as mortgage is NOT a government loan. 

I have yet to receive from Nationstar/Mr. Cooper the  interest overage included in the payoff and seek to confirm this is acceptable practice given my payoff is shown as received as of XXXX XXXX and mortgagee has retained approximately 22 days of interest UNNECESSARILY. This is ROBBERY, unethical business practice by Nationstar. 

My inquiries to mortgagee via their website has resulted in their reply stating they need one week to research ....???? 

What is my recourse? Is Nationstar within acceptable standard to require this overage and withhold these monies for this long?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: World Acceptance Corporation
State: SC

Complaint narrative:
As I have so many times before has disputed this account with World Finance. World finance is lying and continuously reporting accurate information to all 3 credit bureaus. I have disputed with all 3 credit bureaus as well.
My last complaint world finance 3rd paragraph ( 3rd loan # XXXX ) was opened on XX/XX/XXXX. WF say my 1st payment was due XX/XX/XXXX and NO PAYMENT WAS MADE!! I On my credit reports world finance its showing I did pay XX/XX/XXXX & XX/XX/XXXX ( I have uploaded the credit reports ) and paid on time. THIS IS PROOF that WF IS LYING AND STEADY REPORTING INACCURATE and UNVERIFIABLE INFORMATION. 
I have sent certified letter, visit and called in person the branch in XXXX which I open the account and asked the manager to please let me have a copy of my pay history and contract, the branch did n't have it and said they going to have home office to mail it to me, that been over 3 months ago. I also call the corporate office and left several messages. I spoke to XXXX XXXX today ( XX/XX/XXXX ) at XXXX she said she do n't have any records I have to get them from branch office. I asked XXXX XXXX if they do n't have records at corporate office how are they replying to CFPB and the credit bureaus. She said by the computer. XXXX XXXX called the branch office and spoke with XXXX. XXXX XXXX told me to go to branch office tomorrow and she have my documents. XXXX XXXX said the only reason they would n't have it if the account was sold and I told her the account was not sold it reporting to credit bureaus. I told her the account that was sold to XXXX XXXX was deleted from my credit report because XXXX XXXX could n't verify or send me any supporting documents just as World Finance can not but steady reporting negatively to credit bureau. 
As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. If this account is not removed from all three credit reports IMMEDIATELY I WILL SUE under the FCRA!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I recently checked my credit and seen a collection debt from Sunrise Credit Service that was reported to my credit that is n't valid. Back in late XX/XX/XXXX early XX/XX/XXXX the amount being reported {$1500.00} was already taken care of with the previous collection agency and it was removed from my credit. Per FDCPA laws any collection item ( s ) that has been removed from ones credit can not be placed against credit again. This item is hurting my credit being that I am in the process of buying a home. This is causing emotional distress, and I am having to deal with the possibility of being denied on the closing of my home. The address that this company has on file is n't my address nor have I ever lived at the address. I am wanting to pursue further in filing a lawsuit, if we ca n't handle this situation the right way.

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 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello I had purchased American Express Serve Cards - total of 4 cards ( one each for my daughter / wife / father-in-law and me ). When I tried to register these cards on our name we were denied stating some issue. We were told to spend the balance on the card and close it. However they charged {$4.00} on each card after 30 days as we were not able to use the balance by then. 

The issue - if the card would had been registered on our name we would not have had those charges as the terms mentioned the same. But due to the issue with the registration process we had to pay the fees. Also using around {$500.00} from each card was not possible in a month and hence we were lost around {$19.00} and requested American express serve prepaid card company to refund it. But they did n't do the same. Need help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A check was stolen from our checkbook and cashed for {$2000.00} by an unknown person. We alerted XXXX on XXXX/XXXX/XXXX before the check had cleared that this check was fraudulent. They did n't stop the check. 

After the check had cleared we filed a claim of fraud with XXXX. They informed us that we should NOT contact the police, that they would do an internal investigation and refund our stolen funds. 

On XXXX/XXXX/XXXX they denied our claim, stating that we " benefited from the funds ''. When we tried to contact the number they provided the XXXX representative refused to put us in touch with a XXXX who could explain this decision. 

We are seeking to have XXXX return our funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My business account is being manipulated by the bank so that when my checks come in to get paid, the bank freezes and holds the money without paying the check demands. In other works, they 're holding my checks for XXXX to XXXX days for security reasons and allowing electronic trsnsferes to bounce without covering the amounts, even when there is money in the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is harassing me for a debt XXXX dont owe. The credit bureau know my address and the address that security credit services and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately. They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.

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 2017-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
XXXX XXXX claims I am behind on a payment, specifically for XXXX XXXX, when clearly I sent XXXX XXXX of XXXX XXXX, images of each and every payment I have made since the inception of my lease in XXXX XXXX through and including XXXX XXXX. I have paid each month well in advance of the due date. I have also emailed XXXX XXXX images of these checks and electronic payments, all of which have cleared, yet she and XXXX are adamant that I am behind in a month 's payment, and proceeded to hit with penalty fees. I can submit this supporting documents, which my banking representative at XXXX XXXX, XXXX has provided me with. In fact, that representative at XXXX, spent well over XXXX hour on XXXX/XXXX/XXXX on the line, holding for over XXXX minutes, to be hung up by another representative, before ultimately being connected to a XXXX, XXXX XXXX XXXX, who requested the banking images and scans of e-payments. I submitted these to her on XXXX/XXXX/XXXX, yet never heard from her since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent certified mail to experian requesting verification as well as validation. Experian has broken the law : By the provisions of Section 611 of the Fair Credit and Reporting Act of 1970, I demand these items be deleted from all current and future credit reports. Please forward the names of any individuals and/or organizations you contacted so I may follow up with them directly.
I shall assume that 30 days constitutes a reasonable time for verification of these entries. Through our interpretation of Section 611 ( a ), it is understood that the failure to verify these items within 30 days constitutes a reason to promptly drop the information from the credit report.
Pursuant to Section 611 ( d ) of The Fair Credit and Reporting Act, please send notification that these items have been deleted. Please send an updated credit report to my address that is listed above. The provisions of section 612 state that there is no charge for this notification.
Experian is concerned whether my complaint is from a credit repair company instead of addressing my issue of all the incorrect, fraudulent information on my credit report. I will be pursuing legal action against experian as well as CFPB. The LAW360 lawsuit is an just one example that will happen to experian. This is utterly ridiculous that consumers have to endure such foolishness! 

All these accounts are a product of identity theft : 1.  XXXX XXXX XXXX XXXX Negative item 2. XXXX XXXX XXXX XXXX Negative item 3. XXXX XXXX Negative item 4. XXXX XXXX XXXX Negative item 5. XXXX XXXX XXXX Negative item 6. XXXX XXXX Negative item 7. XXXX XXXX Negative item 8. XXXX XXXX Negative item 9. XXXX XXXX XXXX Negative item 10. 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