vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have asked Equifax to update my file many times this year to remove the multiple names they have listed for me, just written differently. To remove all unauthorized hard inquires, and any collections they have. I also sent out a letter requesting this information on 10/10/17 and it is now 11/13/2017 and Equifax has not responded. According to the FDCPA a creditor has 30 days to respond or everything asked on the letter should be removed. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX current and only address need to be showing XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX and financed by Credit Acceptance.  XXXX is contact and owner of XXXX. In reviewing the Bill of Sale fees not discuss pre-delivery fee of {$190.00} and GAP {$630.00} include in sale totaling {$6600.00}. The vehicle was already on the lot AND I feel I was overcharged for the vehicle. I was under distress when I purchase this vehicle. After the down payment I owed {$5600.00}. Time of purchase the vehicle had over XXXX miles. I lost my job in XXXX and begin to struggle with payments. The vehicle was repossessed by Credit Acceptance on XX/XX/XXXXXXXX. I tried calling on a few occasions to make payment arrangements. My son just started a job and was getting first pay check on XXXX XXXX. I would have been two months down after XXXX. I asked Credit Acceptance to give me till XXXX XXXX. I was told by customer service they would call me back instead they pick up vehicle and repossessed. I had over {$2000.00} of nice stuff in vehicle because I was in the process of relocating and Credit Acceptance took my stuff. They did not send a letter or any information on repossessing vehicle or letter stating they were repossessing the vehicle. Now, Credit Acceptance has placed me in the Credit bureau claiming I owe on the vehicle that is no longer in my possession.

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 2017-11-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
the credit card is not my -THD/CBNA XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX NV 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 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I can not reach a person to make payment arrangements nor do I agree with the balance shown on XXXX TransUnion and any other credit agency XXXX XXXX Walmart responded to you about my first complaint and nothing in her response was true nor was I able to reach her or the number she provided to make payment arrangements

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 2017-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not know reason, XXXX hard inquiries multiple less than the 14 days between rate inquiries. XX/XX/XXXX Transunion inquiry, did not ask for them to do anything. Please remove inquiry XX/XX/XXXX Inquiry reported from XXXX XXXX XXXX and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX hard inquiries too close to count as separate inquiry. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have XXXX hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called transunion the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.

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 2017-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: NC

Complaint narrative:
I need your assistance in protecting me, and my clients from harmful conduct that conflicts with me and my clients basic expectations, created by Loan Officer XXXX XXXX XXXX XXXXXXXXXXXX NMLS : XXXX Phone : XXXX, as it relates to how my clients and I have been treated. Please help me/us to ensure that bad actors such as him and City Worth can not use deceit and fraud to drag the rest of  the market down to their level? 

Who Am I? : I am a Realtor at a real estate Firm which represents both Buyer and Seller in a transaction in which the aforementioned loan officer provides services to the Buyers. I am the Listing Agent, representing the seller. 

What Did He Do Wrong : 1. On XXXX/XXXX/XXXX, XXXX XXXX, willfully and intentionally deceived me and my sellers regarding a {$150.00} VA Appraiser Re-Inspection Fee, a Buyer 's Expense, by stating that the Buyer 's  loan would not be underwritten/approved to close on time, XXXX/XXXX/XXXX, per the Sales Contract, if the seller does not pay the re-inspection fee. The Sellers regretfully paid the {$150.00} fee, after I gave my sellers XXXX 's number, and XXXX spoke to them. XXXX disclosed to them at this time that the loan was moving along per the Sales Contract, and that we would close the loan on time.

2. On XXXX/XXXX/XXXX, I receive a phone call from XXXX XXXX requesting that my Sellers sign an Addendum to Sales Contract requesting that his company 's underwriting department provide conditional loan approval by XXXX/XXXX/XXXX. This is when I and my seller both new that we had been deceived by this bad actor.The seller refused to sign this Addendum stating a lack of trust and confidence in XXXX and his company 's ability to close this loan due to XXXX 's previous unethical and fraudulent communications. 

3. On XXXX/XXXX/XXXX, I and receive an email from XXXX XXXX, via the Realtor representing the Buyers, showing full proof that the loan had been through XXXX XXXX XXXX underwriting department, and had been conditionally approved, which I forwarded to my sellers. 

4. On XXXX/XXXX/XXXX, I received a text message from my Buyers who I introduced to XXXX XXXX after XXXX XXXX reached out to me shortly after the aforementioned Sales Contract was executed. Approximately XXXX today, I receive a text from my Buyer 's wife stating : ( XXXX XXXX is trying to get my husband another Realtor, and that her husband was told that things were going rough between XXXX and I. ) This is a form of loan fraud, general fraud, and deception to say the least... and this type of bad actor should not be allowed to go un-checked in this industry.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
When I attempted to cash two reimbursement checks with XXXX bank and XXXX banks in XXXX XXXX, Michigan, I was informed that I had an issue with ChexSystem reported that I had an outstanding balance with XXXX XXXX XXXX XXXX. I went to XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Mi and spoke with XXXX XXXX ..., she informed me that there was not such an issue with the credit union. Now that she " no longer works there '' per XXXX staff, i got an emailed copy of a statement dated XXXX XXXX stating that there was an overdraft on my account and that it was paid within that same month. See copy. I want this negative credit/banking activity to be removed from my credit report because its been 46 months since this burden has refrained me from opening banking accounts to manage paying debts or receiving deposits to pay debts. ChexSystem reflects derogatory statements about and ruins my credit ability. ChexSystems acts are unconstitutional and has helped to ruin my livelihood.

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 2017-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: TX

Complaint narrative:
Around XXXX XXXX, XXXX I repeatedly received calls from ARS national services. I have answered a few times and requested contact in writing over the phone. I am getting 1-5 calls a day despite receiving NOTHING in writing since this company started to call me. There is nothing on my credit report showing who they are or why they are trying to collect or if there is a debt that is MINE. I have sent this company an email " cease and desist '' because I have no physical address for them and want them to follow collection laws and verify if there is debt they are trying to collect for and if so where did it come from and who is it owed to? The number they rationalize calling up to 5 times a day is on the national Do not call registry and this comes across as harassment to get me to pay on debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
I called my mortgage company ( Caliber Home Loan ) XXXX XXXX and told them that I know my modification will end in a couple of years and I wanted to proactive and try to do something early. I told them the homes in my area are declining and that my neighbors are buying homes for XXXX XXXX, and my balance is XXXX XXXX XXXX XXXX plus. The agent asked me if they make me an offer to buy the house at the fair market price would I keep the home, ( I told them I was going to find another home less expensive )? 
I said yes .She said get a preapprove loan from another lender and send in a hardship letter. I did just that in XXXX and XXXX. The first one they denied because when they sent the appraiser out the value was XXXX XXXX XXXX and I offered XXXX XXXX XXXX. I told them okay, I will do it XXXX XXXX XXXX. They told me to resubmit it again along with hardship letter. I did as they told me. Never heard anything from them again on this matter. On XXXX XXXX XXXX I received a letter from them about modification they also sent one in early XXXX. I called them the earlier part of XXXX and told them I wanted to continue the modification or short sale but right now I am in the process of burying my husband he died expectantly XXXX XXXX. They expressed their condolences and said ok. I received a letter on XXXX XXXX from their lawyers 9 XXXX XXXX and XXXX XXXX saying they are foreclosing on XXXX XXXX XXXX. Right now I am so devastated the loss of my husband and now dealing with this. I kept asking them about the previous offer, no one can answer my question it 's like they are blaming each department. Spoke with XXXX ID # XXXX in XXXX XXXXSent her information that they should 've already had. Spoke with XXXX ID # XXXX on XXXX XXXX XXXX XXXX he could n't explain transferred me to his supervisor XXXX ID # XXXX. She looked in the system and said from what she see they gave me an offer back in XXXX for XXXX XXXX XXXX XXXX dollars. I told her that did not happen. She looked again and said yes I see. She then said I see your offer for XXXX XXXX XXXX I wonder why they did n't respond to that. She said I will forward this over to another XXXX name XXXX XXXX ID # XXXX property solution manager and see what she says. Have not heard anything yet and XXXX is approaching. What I would like to happen is, they give me the offer to buy at fair market, or give me time to find somewhere else to live. My XXXX XXXX XXXX dad is living with me also. Please help me I am so exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX XXXX,2017 Navy Federal Credit Union Transferred {$710.00} from my savings account to my home improvement loan with out my permission and refused to put it back even after I told them the money was for personal things given to me by my lawyer to live on until about the XXXX of XXXX when my settlement comes in and I intend to pay off my loans in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
cra violation inaccurate information must be removed sent po report and idthft gov

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: TX

Complaint narrative:
cra violation must remove violation of my rights idthft victim po report send hpd inquires are 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 explanation
Consumer complaint received 2017-11-13 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have had a Citibank XXXX for years. I paid the balance off in full on XXXX XXXX, XXXX. Copy attached. I was suppose to have received a new card due to a fraud breach on Citibank 's systems. I recently received an automated call saying I had a past due balance. I looked online today and it says I still owe {$3.00}. I called and was told that the balance due in full online is not the balance due in full, there is always more interest. I do not see how this is possible, as I would be paying the balance in full and then always have more interested the following month.

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 2017-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Spoke with agency today collection person : XXXX XXXX Account open : XXXX XXXX, XXXX Account closed : XXXX XXXX, XXXX cell phone numbers : XXXX / XXXX collection company has account since : XXXX XXXX, XXXX Balance : {$1200.00} called on XXXX XXXX, XXXX - no follow up manager stated I ca n't help you and ca n't send this account back to original creditor

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 2017-11-13 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: First Advantage LNS Inc.
State: TX

Complaint narrative:
cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My student loan is due on the XXXX of the month. Today is the XXXX. So far I have received two calls today already from Navient. This happens any time that the payment is *late* ( however well within the grace period ). The first call was at XXXX XXXX my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
After several attempts of trying to dispute old and inaccurate addresses that are still on my credit report that needs to be removed that is still reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX amount was for XXXX. XXXX XXXX took me to court ( XXXX District Court ) and the judge dismissed the case that I pay nothing. This account does not belong to me. 
I had disputed the account XXXX XXXX from my credit report and they refuse to remove it, even with my document from court that show account dismissed and I pay nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13 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: TN

Complaint narrative:
Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not know reason, Nine hard inquiries multiple less than the 14 days between rate inquiries.XX/XX/XXXX XXXX inquiry, did not ask for them to do anything. Please remove inquiryXX/XX/XXXX Inquiry reported from XXXX XXXX XXXX and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX hard inquiries too close to count as separate inquiry. XX/XX/XXXXand XX/XX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have 3 hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called XXXX the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not  know reason, Nine hard inquiries multiple less than the 14 days between rate inquiries. XXXX/XXXX/XXXX XXXX  inquiry, did not ask for them to do anything. Please remove inquiry XXXX/XXXX/XXXX Inquiry reported from XXXX XXXX Mortgage and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX XXXX Mortgage XXXX/XXXX/XXXX and XXXX/XXXX/XXXX hard inquiries too close to count as separate inquiry. XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have 3 hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called XXXX the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.

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