vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 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: NV

Complaint narrative:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account 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 2018-11-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account 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 2018-11-14 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My car was repossessed and sold around XX/XX/2017. The bank has not sent me any information regarding the sale or the amount owed. The amount still has me in default for the whole amount. Under the laws of the State of California UCC Section 2983, I am required to receive any notification regarding this automobile. And I was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Experian did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the account XXXX XXXX XXXX ( Original Creditor : XXXX 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 2018-11-14 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: PA

Complaint narrative:
This company has destroyed my credit as well as my fathers. I was so young and XXXX when I signed for these loans. For years they tell me I still owe the same amount!! Ive been told lies a lot!!!! They are now harassing my house and my parents. I might gather all phone records and sue because this is causing myself to have majorly XXXX XXXX. The amount they want me to pay monthly is not doable and they say there is nothing that can be done. I want even having them take money out monthly and they were raising the payments that they would take out of my account with out my knowing!! Navient can rot for all I care. How I still owe the same exact amount is extremely shocking and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax will not take my dispute. They have wrong information on my report and I have tried numerous times to have this issue resolved but I need a number of some type and I still can not access the account. There are two open accounts and seven hard inquiries to chase that I did not make. Two open accounts on other credit companies have been closed or deleted but I cant do this with Equifax. I just want to clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My car was repossessed and sold around XX/XX/2017. The bank has not sent me any information regarding the sale or the amount owed. The amount still has me in default for the whole amount. Under the laws of the State of California UCC Section 2983, I am required to receive any notification regarding this automobile. And I was not.

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 2018-11-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My car was repossessed and sold around XX/XX/2017. The bank has not sent me any information regarding the sale or the amount owed. The amount still has me in default for the whole amount. Under the laws of the State of California UCC Section 2983, I am required to receive any notification regarding this automobile. And I was not.

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 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The way the bank posts transactions is highest dollar amount to lowest so they maximize the overdraft fees I had 3 transactions post one of them I was short by about 40 it was an automatic payment that I forgot was coming out if they had post transactions from lowest to Highest I wouldve paid one {$36.00} overdraft fee but instead they did highest to lowest so I got charged three {$36.00} fees they are maximizing fees and taking advantage of consumers who run short

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AFNI Inc. which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. AFNI Inc. has not provided any documentation period regarding my request or dispute. I am aware proper validation as well as proof of my liability is my right under the Fair Debt Collection Practice Act. No chain of command, application, or contract, containing my signature has been provided on behalf of AFNI Inc. AFNI Inc. is in violation of the fair debt  collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Notice fraudulent activity on XXXX XXXX with recent credit cards open

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 2018-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WELLSFARGODEALERSVCS CLOSED XX/XX/2018 WITH A {$3100.00} AMOUNT THIS IS IMPOSSIBLE DUE TO IT 100 % PAID OFF

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 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC
State: IN

Complaint narrative:
I have never went to this company credco XX/XX/2017 or i never asked or gave no one permission to use my name so y should i be charged for something ive never done or asked for so it was someone else ... Stop charging me an take off my credit please ive never went to this company before

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 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
I have never went to this company onemain on XX/XX/XXXX or XX/XX/XXXX or i never gave no one permission to use my name .. I never had an account wit this company so stop charging me an take off my credit please it was someone else ... I should have to pay for something ive never done or asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Quickpay with XXXX offers ZERO protection. Once you send the money its gone and they refuse to help you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX GA XXXX Account Number : XXXX [ XX/XX/2018 ] To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains [ a 30, 60, or 90 days past due date, was past due 120 days or more.

I want you to know that I understand my financial obligations, and if it werent for [ My mum was in a bad medical state and I had to put everything on hold to take care of her ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ I have gotten a better job and I am in a better state financially ]. I will like to make payment arrangement in return to have my late payment history deleted and I promise not to miss one payment going forward.

Im planning to apply for [ a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on [ date ]. 
Thank you for your consideration, and I hope youll approve my request. 
Best, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was generated into his XXXX  credit report XX/XX/2018 related to the fraudulent application.a formal dispute of that information was mailed certified with return receipt to XXXX XXXX  XX/XX/2018. As of this date XXXX XXXX has failed to reply to the outcome of the investigation, this activity is a violation of the FCRA and my clients federal consumer rights. 
In addition to the fraudulent XXXX XXXX  attempt ; the fraudster was successful in establishing a phone account with XXXX ; that account fell into collections with XXXX XXXX. A formal dispute was provided to them XX/XX/2018 concerning this issue of fraud and as of this date no reply concerning the investigation has been received, this is a violation of FDCPA, FCRA and my clients consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 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: Systematic National Collection, Inc.
State: CA

Complaint narrative:
There is an item on my credit report from XXXX that is not mine. It's called Systematic National Co. dated XX/XX/15. I suspect that it was my daughter, who did this. She moved back in with me in XX/XX/2015 with her shady boyfriend. It was investigated by XXXX   and they found it to be accurate. I am a victim of identity theft or fraud. Can you help? 
Report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was generated into his XXXX  credit report XX/XX/2018 related to the fraudulent application.a formal dispute of that information was mailed certified with return receipt to XXXX XXXX XX/XX/2018. As of this date XXXX XXXX has failed to reply to the outcome of the investigation, this activity is a violation of the FCRA and my clients federal consumer rights. 
In addition to the fraudulent XXXX XXXX attempt ; the fraudster was successful in establishing a phone account with XXXX ; that account fell into collections with XXXX XXXX. A formal dispute was provided to them XX/XX/2018 concerning this issue of fraud and as of this date no reply concerning the investigation has been received, this is a violation of FDCPA, FCRA and my clients consumer rights.

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 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Portfolio Recovery Associates which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has  failed to respond or provide any means of documentation or validation.. I am aware proper validation as well as proof of my liability is my right under the Fair Debt Collection Practice Act. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in violation of the  fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I previously filed a complaint against the Credit Bureas with ( CFPB ) and they have yet to provide me with any verifying proof or evidence on the matter they sent me one notification 15 days ago stating they needed more time ( 15 ) days to complete investigation

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 2018-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/18, I received a letter in the mail stating to contact them for assistance through the loss mitigation process. I am current on my mortgage and have never had a late payment. On XX/XX/18, I immediately called the number on the letter. It listed a Single Point of Contact of XXXX XXXX. I spoke with her and she stated that she was no longer servicing my loan. I questioned that because I had just gotten the letter the day before. She basically refused to help me and stated she had to transfer me somewhere else. When she transferred me the phone rang like 25 times and no on answered. I called XXXX back, but she wasn't available, so I transferred to someone else named XXXX, who was knowledgeable and helpful. I explained to her that I did not request loss mitigation and I was current on my mortgage. She reviewed my account and confirmed the same. I asked why I received this letter, she stated that someone made an error. An error!? This is my mortgage and they are sending me letters about loss mitigation when I have never missed a payment or requested that. I have had nothing but problems with this mortgage company since my mortgage was sold by XXXX XXXX to them. They had my personal information all jumbled up in their system, they are calling me at work to get me to refinance, and now they are making errors that I requested loss mitigation, when I didn't request it nor have a ever made a late payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: Clarity Services
State: AL

Complaint narrative:
I submitted a dispute to Clarity Services , Inc  on XX/XX/18 regarding an item that is listed on my Consumer report by XXXX XXXX. I faxed to Clarity Services the Bankruptcy order which shows XXXX XXXX  listed as a unsecured creditor and I also included the discharge order. I received a letter from Clarity Services on XX/XX/18 stating that the investigation was completed and this information is accurate and complete and will remain on your file. Maybe I am confused, which I doubt I am, but I need someone to explain to me how this information is accurate and complete. I filed Chapter XXXX on XX/XX/2018 and XXXX XXXX was notified by myself as well as my attorney regarding this case. We had the meeting of the creditors on XX/XX/2018 and not one of my creditors appeared in court including any representative from XXXX XXXX. My case was discharged on XX/XX/18. Therefore once I received my discharge order from the court any debt that is dischargeable is no longer owed which includes XXXX XXXX. There should not be a dollar amount in the trade line but a XXXX balance-discharged in bankruptcy on this trade line that is the LAW!!!!!!!!!. anything else reported is derogatory and is not allowed!!!!!!!! .I received a legal discharge from this debt and I do not understand why I am having to fight with XXXX XXXX and Clarity Services regarding this matter. Clarity Services should have updated my report to reflect this and they failed to do so. Furthermore If XXXX XXXX was that concerned about this matter they would have appeared in court on XX/XX/18. I GUESS THESE PEOPLE FEEL THEY ARE ABOVE THE LAW AND THE RULES DO NOT APPLY TO THEM. I AM SICK AND TIRED OF HAVING MY CONSUMER RIGHTS VIOLATED!!! I SEE WHY THE FTC IS ALWAYS SUING THESE COMPANIES BECAUSE THEY ARE SO EVIL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
I have 2 loans ( 1 subsidized & 1 not ) totaling approximately {$50000.00} with Goal but served by AES. The loan started in XX/XX/XXXX with a fixed rate of 6.625 % and 25 year term. For approximately the past 13 years I have been paying a {$300.00} monthly payment calculated and approved by the lender.

In XX/XX/XXXX, the lender increased my monthly payment by approximately 40 % to {$500.00}. I was advised that the lender miscalculated the monthly payment. These loans have never been in deferment or forbearance. Additionally, I have been paying primarily interest only on the balance that has barely decreased.

Company response to consumer: Closed with explanation