vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Applied for Credit and Found an account with FNB Omaha that does n't belong to me ... .contacted FNB of Omaha and the say that they do n't have a credit card account with my name or social security number or birthday. File complain with XXXX and they came back and said that FNB of Omaha said account was correct. 
I call back to FNB of Omaha again and the same result that they have nothing in my name but continue to report on my credit file

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 2017-11-14 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: LEXISNEXIS
State: FL

Complaint narrative:
The company Lexis Nexis has reported a XXXX XXXX XXXX as XXXX XXXX XXXX XXXX on my record. All of a sudden all of my affordable insurance have gone through the roof!!! I requested a copy of my insurance scores by making an on line account after a nice gentleman told me about them..I had never heard of them. They locked me out!! I sent a letter returned. I am in insurance XXXX. I cant get new insurance anywhere ... I am now a risk. I have good credit own a home and no ticket. I am XXXX this has ruined me. 
Here is the address : XXXX XXXXXXXX XXXX XXXX GA XXXX Here are phone numbers that dont work : XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: IL

Complaint narrative:
I placed a freeze on my credit with all 4 credit reporting agencies. 
I paid each credit reporting agency at the time of placing the freeze. 
I am in the process of moving and have to open a new bank account. 
Transunion is trying to make me pay to temporarily lift the freeze I placed. 
I should n't be punished for proactively trying to avoid being a victim of identity theft- I already paid for the privilege of attempting to protect my credit information and should not have to pay again, and again, and again.

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 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
See complaints XXXX and XXXX. Company 's response did not resolve my issue - Navy Federal refuses to credit my account for the stolen debit card 's unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit reporting agencies incorrectly show that I closed an account which I did not. I tried to call them but either they only have an automated phone menu or in the case of XXXX XXXX do not even have a phone #. I called Equifax and XXXX XXXX without being able to speak to a representative. The account that they list incorrectly is for a jewelry store named XXXX. Recently this store changed the bank they use and I was sent a letter stating that I would receive a new card this month. However, this will end up being listed as a new account thus negatively effecting the age of my credit. These agencies are crooks! Equifax proved that in the past few months. Why do you allow them to collect all this information on me and do n't at least force them to allow access to a representative to correct false information? I have been working for 2 years to build up a good credit record so that I can buy a house at a good interest rate but they work against the consumer at all times and for the banks to cheat you and hold you back. I have a 100 % on time payment record but when they throw in all the other factors there is no way to win. " You have too few accounts, the age of the credit is too short etc. '' Open more accounts and it lowers your credit age. This is a totally unfair system which the government sanctions! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
Department XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Account XXXX Has sent me a demand letter for a debt they purchased from XXXX XXXX ( South Dekota ) XXXX from XXXX XXXX XXXX.The credit card was issued XX/XX/XXXX and last used in XX/XX/XXXX. This debt was discharged in US Bankruptcy Court in XX/XX/XXXX also California State law statue is 4 years on debt collection I demand Portfolio Recovery Associates LLC. cease and desist any and all collections of {$510.00} from me Thank You XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
This complaint involves the Student Loan Company Navient and fraudulent loans. From XXXX I attended the XXXXXXXX XXXX XXXX XXXX for XXXX XXXX. At the time of my studies my Student loan provider was XXXX XXXX. XXXX XXXX split into two entities XXXX of XXXX and became Navient and XXXX XXXX. See Exhibit # A from the XXXX XXXX website discussing the split. I had a delay in my studies due to owing the XXXX XXXX XXXX XXXX money. In the spring of XXXX, I met with an adviser XXXX XXXX to return to the XXXX to finish my studies. I never heard from XXXX XXXX again and later found out in XXXX of XXXX it was because the XXXX XXXX XXXX XXXX was purchased by XXXX XXXX XXXX XXXX in XXXX of XXXX. See Exhibit # B from the State of Ohio showing the XXXX XXXX XXXX XXXX was purchased in XXXX. I can not receive reparations from XXXX XXXX XXXX XXXX XXXX due to school closure. The XXXX XXXX XXXX reporting exaggerated many things but most importantly, I believe I qualify for assistance because of school closure and because credits do not transfer. See Exhibit # C an unofficial transcript from XXXX XXXX XXXX XXXX in XXXX showing no XXXX XXXX XXXX Reporting Credits Transferred. In XXXX of XXXX, I applied for a Federal Loan discharge of my loans due to school closure. See Exhibit # D a letter from XXXX XXXX XXXX saying they do not service loans for the XXXX XXXX XXXX Reporting. On XXXX of XXXX, I received a letter from Navient saying they were going to resume collections on my loans. As I just learned of my rights of the victim of a school closure in XXXX of XXXX, I could not in good conscience resume payment. See Exhibit # E Navient Letter. On XX/XX/XXXX I sent Application for Defense to Repayment ( DTR ) to Navient. See Exhibit # F Certified Mail Receipt and Exhibit # G Application for Defense of Repayment. Navient has not answered in a timely manner. One final concern, Navient was included as a creditor in Bankrupty in XXXX. Normally, student loans are not dischargeable through bankruptcy. However, since this loan amounts to a fraudulent loan, I believe an exception should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Meridian ARG Inc.
State: RI

Complaint narrative:
Multiple phone calls from the same number ( XXXX ), upon answering, after several seconds, a recording from a female calling herself XXXX XXXX states she is trying to collect a debt, does not provide the debtors name & says since she is unable to reach me by phone, even though I have answered the call, that legal action by the police will be taken and if I do not respond they will come to my home. I called the number back, and the recording said they were Cambridge Asset Management. I called a second time & was able to reach a live person, but when I mentioned the message from XXXX XXXX, they hung up on me. I have never received any written correspondence from this company.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I paid the XXXX XXXX and XXXX XXXX XXXX for loan audits which prove mortgage fraud against Wells Fargo/ XXXX XXXX mortgage backed securities. I filed chapter XXXX with XXXX XXXX. Now judge XXXX XXXX lifted the stay at the request of his house theft pals at XXXX law. I requested they produce a promissory note. He said its too late. They have separated the mortgage from the note and cant forclose. So the Vice President of Wells Fargo forged documents swearing that they miraculously found the missing promissory note. Kickback XXXX XXXX didnt question it. I want my portion of the XXXX XXXX XXXX XXXX settlement fund asap! Wells Fargo loan XXXX. I was the plaintiff in federal court in XXXX against them but was ill and wrote to reinstate the case for which I was denied! I sued for mortgage fraud! After three payments toward modification they foreclosed so I filed ch XXXX. Anyway XXXX law XXXX XXXX XXXX XXXX has tried seven times already and seem impossible to stop from stealing my home. Im due a large settlement. Thanks again. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: NY

Complaint narrative:
On XXXX XXXX, 2017, I discovered that I had 11 accounts on my credit reports that were fraudulent. I filed with the FTC identity theft website and sent the report to each of the Credit Reporting agencies along with my identity documents, address proof and letter requesting the information that was fraudulent be blocked from reporting. Both XXXX and XXXX blocked the information within 72 hours  as required under the FCRA. Equifax has refused. The latest reason is that my identity documents are blurry. I have resent these by post and a resolution has still not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: SC

Complaint narrative:
Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXX. All 3 are  reporting a balance owed over 12,000.00. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a certified mailing letter ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting the procedures for verifying an account with XXXX XXXX XXXX XXXX on my report. I had previously sent a validation letter to XXXX XXXX and they had been unable to show proof that the debt belongs to me. As a result, I wanted to know how Experian was able to verify the debt and I could n't. 

Experian has never responded to me. It has been beyond 45 days from the date they 've received the letter, delivered XX/XX/XXXX. 

This is a clear violation of the Fair Credit Reporting Act and Experian should be held accountable for 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 2017-11-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Gentlemen - I recently received a letter from XXXX dated XXXX XXXX 2017, stating that Equifax had suffered a data breach, and that XXXX was working with Equifax to learn more about the event. I have been encouraged to take several actions of which I have done, in addition to which is file a complaint with the Federal Trade Commission. I was told in this letter that you maintain a database that law enforcement agencies use for investigations and that filing a complaint will help you better assist me should I become a victim of identity theft. 

As a consumer I can not express my outrage strongly enough at the lack of responsibility Equifax has shown in this failure to safeguard and protect my personal information. As much as I despise the power which has become inherent in the credit monitoring and reporting system, I have played by the " rules '' and have established an impeccable reputation which now is threatened through no fault of my own. This is inexcusable and infuriating! 

Please place my information into your database so that, should I fall prey to these evil perpetrators, I might be able to take advantage proactively of any restorative services you make available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company Pressler & Pressler contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX. I payed them literally over a year ago and they still have my account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Received current credit report from XXXX XX/XX/XXXX. 
Capital One Auto Finance Car Loan Paid off in XX/XX/XXXX, due to be removed XX/XX/XXXX, Now they have updated it to remain on my report until XX/XX/XXXX. i have attached document showing update. 
Law states that creditors can use 10 year rule because of bankruptcy. i have never filed Bankruptcy in my life. 
I called XXXX today XX/XX/XXXX and spoke to someone named XXXX. He said he did not know anything about it and could not do anything about anything and that there was not way for anyone to directly contact Investigative Department, not even he could do that. 
I called this number because it was on my XXXX Credit Report as an option for me to get help. I got no help when i called the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: PA

Complaint narrative:
i recently submitted a dispute to experian in regards to 2 accounts on my credit file. 
the 1st account is XXXX XXXX - this company is reporting incorrect information on my credit file. I disputed it with all credit agencies it was being reported to as well as the company. It has already been removed from the other credit reporting agency but i feel Experian did not give me a fair investigation or right to dispute. This account should be deleted from my credit file The 2nd was against XXXX XXXX - this is a collection that does not belong to me. I have filed a FTC complaint and i have submitted it to the credit reporting agency and the company. The company sent me receipts from purchases but did not show anything that has my signature, id, or anything else that said i opened this account. I too disputed this with Experian and i feel that i was not given a fair investigation, especially since i feel this was a identity theft. This account was also reported in 2014 i disputed it then with the CFPB and it was removed now its being re-reported as well

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 2017-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have tried multiple times to lower my monthly loan payments with Navient. At first their system was n't even correctly setting up my autopay even though I set it up correctly multiple time online and emailed them regarding the issue- it still did n't get setup correctly for months. 

My main issue though is that my husband and I both have student loans with high balances. I asked to be placed on an income repayment plan and went through the application process. We have XXXX children and my husband works full time and I work full time. Without a repayment plan, our monthly dues would be close to {$800.00} a month, 25 % of what we bring in a month. We have a house payment that is {$2000.00} a month. At first, the declined our income-based repayment and I had to speak with them multiple times about the issue. Finally, they set us up on a repayment plan that is {$500.00} a month- but this amount does n't even cover the interest and so for 10 years now- none of the student loans has actually been paid- They are actually accruing interest -- even with our monthly on-time payments. 

It so disheartening and unfair for a family who works this hard with XXXX small children. It should n't be legal. It is the biggest scam of our era. I am writing in hopes that someone will be able to assist with solving this huge problem, not only for my family but for the incredible amount of families who are experiencing the same problem. Please take notice and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I purchased a car in XXXX/2017 the car dealer sent my information to over a XXXX  financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.

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