vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-14 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I called Navient and made a verbal forebearance request on my student loan account due to financial hardship. At that time I received verbal confirmation that my request was approved for forebearance on student loan Accounts by Navient Department Education Loan Servicing for the period XX/XX/XXXX - XX/XX/XXXX. However, Navient reported 38 delinquencies on my account to the 3 major credit reporting agencies : XXXX, XXXX, and XXXX, for the Months of XX/XX/XXXX and XX/XX/XXXX. I 've contacted both Navient and Credit Reporting Agencies several times verbally and in writing requestion that the erroneous entries be removed but to date they have not complied. Navient has been resorting to the tactic of stalling by requesting documentation of general correspondence which they already have in their possession since all requests and notification are stored for access on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
I was checking my credit on XXXX XXXX and I saw that a company called Debt Recovery Solutions is trying to collect a debt that was already paid to this medical company 3 years ago. The company I paid my debt to was XXXX XXXX in Virginia. Their phone number is XXXX XXXX XXXX. This has impacted my credit and caused financial burden. This company has done nothing but cause me stress and financial strain. The debt was paid to XXXX XXXX Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I was 14 days late on my payment due to being in the XXXX and unauthorized charges on my bank account. I notified Westlake Financial of the issues. I made my payment on XX/XX/17 the XXXX day and then next morning when I went to get into my car it was gone. The police told me it had been repossessed but the Finance Company (  Westlake Financial - XXXX - XXXX ) said they had not issued a repo order on my car but that the loan is under review and they might not continue on the loan. The dealer where I purchased the car ( XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, TN XXXX XXXX started sending me threatening text messages and calling my references telling them that he was checking to see if I was dead or alive. I have my receipt. I also found that Westlake Financial is not registered with the XXXX XXXX of XXXX to do business in TN, they applied but was not granted a business entity number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 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: FL

Complaint narrative:
On XX/XX/XXXX I called XXXX and made a verbal forebearance request on my student loan account due to financial hardship. At that time I received verbal confirmation that my request was approved for forebearance on student loan Accounts by XXXX XXXX XXXX XXXX XXXX for the period XX/XX/XXXX - XX/XX/XXXX. However, XXXX reported 38 delinquencies on my account to the 3 major credit reporting agencies : XXXX, XXXX, and Experian, for the Months of XX/XX/XXXX and XX/XX/XXXX. I 've contacted both XXXX and Credit Reporting Agencies several times verbally and in writing requestion that the erroneous entries be removed but to date they have not complied. XXXX has been resorting to the tactic of stalling by requesting documentation of general correspondence which they already have in their possession since all requests and notification are stored for access on their website.

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 2017-10-14 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: NC

Complaint narrative:
I 've reached out to Equifax several times (XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about unauthorized inquiries. addresses that were never associated with me and each person I spoke with was incompetent and refused to submit a dispute for the unauthorized inquiries. There were 4 addresses that I requested to be removed, and 10 unauthorized inquiries I requested to be investigated/verified, which were from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ),  XXXX XXXX ( XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX (XX/XX/XXXX ) , XXXX (XX/XX/XXXX and XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX) and XXXX XXXX (XX/XX/XXXX . The agent I spoke with on XX/XX/XXXX gave me a confirmation number and told me address would be removed and the inquiries would be investigated and to allow 30 days for dispute results. On XX/XX/XXXX I received an emailed stating that the dispute was complete. Equifax online dispute system did n't allow me to check the results online. Which resulted in me having to call them, only to realize that only one of the addresses removed and none of the unauthorized inquiries were ever sent be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Inquiries : XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Transunion : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXt, XXXX and 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 2017-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I recently looked at my credit reports and noticed that Ally Financial XXXX .... reported negative marks 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

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 2017-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I have been harassed by the collection company called Pressler & Pressler. I am a retired and XXXX person whos only income comes from my XXXX XXXX XXXX and XXXX XXXX XXXX. My checks were not direct deposited, therefore my bank allowed my account to try to be levied by Pressler and Pressler in XXXX XXXX. Funds were frozen, but I provided documentation as proof of my income and the levy was lifted. My funds were returned and notes were taken so this matter would not surface again. Since then, and as of today XXXX/XXXX/XXXX I have been receiving phone calls from Pressler and Pressler asking if I can make monthly payments. I explained to them that my income is exempt and that I am on a fixed budget at the moment. I also offered to settle both accounts ( I have two with them ) and offered an amount, which they did not accept. I am a XXXX person and these calls are disrupting me. I would like for Pressler and Pressler to cease and desist. I need them to stop calling my house. Any help in this matter will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rosebud Economic Development Corporation
State: LA

Complaint narrative:
I initially filed a complaint with CFPB about Rosebud Lending ( AKA XXXX ) on XX/XX/XXXX ( Complaint # : XXXX ), stating that I had taken out a {$1000.00} loan with XXXX in XX/XX/XXXX, and since this time, I have paid over {$4000.00} in payments to this company. Yet, they were still trying to say that I owed them ( at the time ) {$1800.00}. When XXXX responded to the compaint on XX/XX/XXXX, they wrote the following at the end of their attempt to justify these expenses : " In an effort to resolve this issue, XXXX is willing to accept all payments made to date and close out your loan as settled in full. '' However, it is now XX/XX/XXXX, and I am STILL receiving daily emails stating that I owe a past due amount of ( it increases EVERY day ) {$2100.00} and that they will be sending me to collections. I have sent them a copy of the original CFPB complaint with their response on THREE separate occasions, and every time nothing changes and they act like their compaint justification never happened and they do n't have to honor it. I know for a fact they 've gotten these emails, because I always get a response back stating " Your request has been received and is being reviewed by our support staff. '' I want this account completely closed out and XXXX out my balance like they stated that they would do, and I want these harrassing phone calls and emails to stop.

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 2017-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Hi, I have a Chase credit card just one. I havent used it in a while. It had a credit on it and every month Id get a statement in the mail telling me that I owe nothing and there is a credit. I thought the ethical thing to do was to call and have them issue me a check for the credit amount. They did. I brought the check to Chase and they wouldnt cash it, ostensibly because I have no checking account at Chase Bank. I dont, thats true. All I have is a credit card, which I dont use. So, basically, I received an uncashable check from them. It would cost me more to open a checking account at Chase than the check is worth. 
Just thought consumers should be aware of this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank Account Fraud. Each month Wells Fargo took funds from my CHECKING ACCOUNT, until it was no funds. When I notice, I stop making deposits to my account. Each month Wells Fargo remove funds from my account, large amounts. I 'm not sure if that account still their.

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 2017-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo home Mortgage submitted a 1099-A without also filing or submitting a 1099-C to the owner of XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX regarding the payments she made. The 1099-A Wells Fargo Home Mortgage submitted indicated a loss of {$140000.00}, approximately {$20000.00} less than the deed to the property and likely as stated because the property structure was this amount, however, being the same {$140000.00} XXXX XXXX XXXX paid in mortgage payments. The for consideration amount was $ XXXX. Also, being the same amount inclusive of the land that XXXX XXXX XXXX paid for separately. This has been submitted to the IRS and was further addressed with Wells Fargo with indication that this matter is being worked on by the Internal Revenue Service. The property and structure known as XXXX XXXX XXXX XXXX, VA XXXX is satisfied. There are no other known contracts of record for any other subcontractor, etc. and all other expenses were paid upfront by 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 explanation
Consumer complaint received 2017-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has placed a tradeline on my credit report that does not belong to me.

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 2017-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Identity theft XXXX XXXX XXXX XX/XX/2013 amount 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 2017-10-14 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: GA

Complaint narrative:
I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14 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: GA

Complaint narrative:
I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Experian : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and 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 2017-10-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX credit report shows revolving credit account open with a balance in my name that is not 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 non-monetary relief