vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN shared my credit report with XXXX XXXX without my consent. They shared the report and late payments reported in error by a third party creditor, which resulted in my credit rating being lowered with my banking institution. 

This party credit has corrected erroneous reporting in the meantime but the damage with XXXX XXXX has already been done. 


As I mentioned, this was shared without my consent. 

I am attaching the letter I received from XXXX XXXX stating that they received a credit report from EXPERIAN ( the third party credit bureau )

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 2018-04-25 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: NJ

Complaint narrative:
I submitted a dispute to all credit agencies and have contacted XXXX XXXX multiple times, but XXXX XXXX is submitting my student loan with them as a revolving credit account to credit agencies instead of as an installment loan. The credit agencies are not accepting my dispute. By saying that I am using {$40000.00} of revolving credit, XXXX XXXX is harming my credit score greatly. Instead, they should be reporting this loan as an installment loan to the credit agencies with the other information that the loan is not due for a first payment until six months after my graduation.

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 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was called repeatedly from approximately XX/XX/XXXX through XX/XX/XXXX by XXXX XXXX and XXXX ( also referred to themselves as XXXX XXXX and Associates at times ) to collect a XXXX year old {$1000.00} college credit card debt that my wife and I are 99 % certain we paid when we married 12 years ago but do not have records that go back over a decade. They initially left voicemails that someone 18 years or older needed to be at my house in person to sign for legal papers and when I returned their call they threatened that if I didnt pay they would put a lien on my property, file a civil lawsuit, and negatively impact my credit score by reporting a default. When I called, they tried to get me to verify personal information ( they had correct previous and current addresses and the last 4 of my SSN ) which I declined to confirm but they said they knew it was me and gave me a credit card number and told me to verify it through my previous creditor which I am currently taking steps to do. They eventually sent me an email with a final demand letter for payment or settlement by XX/XX/XXXX or else legal action will be taken. They are not registered with the XXXX and have countless negative reviews when I googled their company stating that they were fraudulent and others had received similar calls. There is very little information available on their website other than a way to pay by credit card. They state on their website that their address is XXXX XXXX XXXX XXXX XXXX, Mass XXXX which reviewers stated that it was actually a XXXX Store.

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 2018-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet is in violation of FDCPA and negligence.

FDCPA Nelnet has never responded with verification of Debt following all inquiries and allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, -- - XXXX XXXX -- - ( XXXX Cir. XX/XX/XXXX), 2014 WL XXXX XXXX XXXX Cir. Mich. XX/XX/XXXX XXXX, XXXX U.S. App. XXXX XXXX, the XXXX Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA ) Nelnet has violated FCRA and GBLA laws by the inability to produce records. There are multiple months with missing information not reported or reported incorrectly. This formation has been been provided to Nelnet on Multiple occasions. Nelnet does not have the requested records and is therefore unable to show this information to credit agencies effectively. They report NO DATA for multiple months on all 3 credit reporting agencies. This violates fair credit reporting and because it has happened over the course of 5 years on Multiple occasions it is not longer negligence but intentionally misleadingly. This violation is the second reported by the company against for violating FCRA as the first regarded violation of privacy laws under FCRA and GBLA. The fact that they are violating multiple sections of FCRA concerning Accuracy and Privacy on multiple occasions is not a call for concern but a call for action. This action has led to breach of contract under Nelnet Terms of Service when they were to have verified the actual debt before buying it from XXXX and other companies. They are unable to very the data missing and have therefore failed to report it to the Credit agencies. This violates FCRA and GBLA laws. Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: FM

Complaint narrative:
This is debt do not belong to me. I sent court documents and a letter from previous landlord to proved that I was not living in/on the property. XX/XX/XXXX I moved into XXXX XXXX XXXX XXXX XXXX, FL XXXX. I lived there until XX/XX/XXXX. I received court documents from landlord giving me notice that I have to move from the property with in 60-90 days because the property was being sold. XX/XX/XXXX the property was sold I was given additional time to move my belongs into my new residences which is XXXX XXXX XXXX XXXX. Currently I am still residing here until further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
After running my credit twice and submitting all necessary documents from what was a statically on the outside to be a guaranteed loan for XXXX this company had no respect for the fact of me being a victim of ID theft and asked me a question that did not pertain to me in the slightest in order to boilerplate did Nite me and continue on with. There program of curbing. Tensional borrowers should be given the chance to prove their identity in different formats considering the circumstances in this company chose to show no sympathy but yet ran my credit lowered my score and wasted my time. 

Upgrade received my ID ss card bank statement and a price of mail And completely ignored the fact that I was a victim of IDs left that I had called on the same phone as the warning on my credit Had me sign loan documents as if I was approved already before making the decision regarding verifying my ID and send me simply a blanket boilerplate denial putting me in distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Continued phone calls about missed payments before the due date and letters being sent to only one of my co-signers about missing payment for {$67.00}. My co-signer receives this letter almost monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Salmon Law Firm PLLC
State: OK

Complaint narrative:
XXXX XXXX XXXX with Salmon Law Firm PLLC, on XX/XX/2018 filed a motion to place a lien on my property. 

XXXX XXXX XXXX does not have a judgement against me and has been notified in writing and by phone to cease and desist all collections activities as he has no judgement against me and is threatening to take my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Clarity Services
State: GA

Complaint narrative:
Clarity services pulled my credit report hard inquiry never contacted nor have I requested loans or credit cards in the past year. The also did my Fiance as well. Several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have 2 secured credit cards with XXXX XXXX one for {$500.00} and one for {$300.00}. For the past 10 months they have only been reporting one credit card to XXXX each month making it seem as if one month I have a credit limit increase and the next month a credit limit decrease. When it should be showing on my credit report as 2 different accounts as I have 2 credit cards. I contacted XXXX XXXX and they mailed me a letter stating corrections had been made.. then again they did not  report the next month it said credit limit decrease. I contact customer service spoke with a representative the. A supervisor XXXX explained my situation they said they would forward information the the credit card team In the back office to have information corrected called again a 7 days later asked for a manager I got XXXX someone higher than the supervisor. She said they were still working on it 7 days later I called and got a representive named XXXX I asked to speak to someone higher she said I didnt need to speak to someone higher because XXXX and XXXX were handling it. She got XXXX on the phone and I asked for a director or VP someone higher than her. She told me XXXX would call me which he never did.. I called again the next day and asked for XXXX I told her that XXXX never called me and that she needed to be sure to let him know that this is a serious SOX AUDIT COMPLIANCE  issue that if I report them to the correct people the could be fined. XXXX called me immediately and said that he had found the issue and that he was working on it.. the next day the office of the OCEO contacted me her name was XXXX stated that she was taken over it has been 9 days and within the 9 days they reported incorrect information again making it look like a credit limit increase ... Im still waiting for them to call me back with a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
On XX/XX/2016, I obtained a XXXX personal loan through USAA. 
When I inquired on loan options, I thoroughly explained this was a joint loan and the other individual on the loan does not have a steady job history. The loan sales person listened to the information I provided and quickly responded with their debt protection option. I requested if this option would cover in the he was to lose his job for any reason, in which he responded, it would. Now, 2 years later, he is no longer employed as he has been incarcerated, leaving myself and my children a single income household, with no financial assistance from him or anyone else. 
I am very disgusted that a reputable company such as USAA would support such deceptive sales practices. I am a highly educated and intelligent individual and would never have made such a large financial commitment to USAA if I had been provided the correct information. He had sent me the information to my phone and I quickly signed and returned it. 
This illusion of protection has left me with a large financial burden that could cause me to lose my home. I currently pay about {$200.00} a month in loan repayment and now have no assistance from his income and no back up from the debt protection I was promised would support in this event. 

Upon contacting USAA and speaking with a superior, I received only an apology, a denial to pull the call records as they no longer exist, and an offer to extend one month 's payment ( Which they could not even do ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have contacted XXXX XXXX by mail on numerous occasions. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I have requested XXXX XXXX to verify that this debt belongs to me from XXXX XXXX and they have not provided me with a response yet. The address that they are reporting to the credit bureau is an address that I have never resided. I have contacted the credit bureau by mail and phone and their response is that they have verified the debt but thy have not informed me on how the debt was verified. I have even informed the credit bureau that the address that XXXX XXXX is reporting is not correct and has never belonged to me. I know by law that a collection agency is required to verify a debt which they have failed to do for over a year but yet they are still reporting this incorrect information to the credit bureaus. Would you please be able to assist me with having this account removed as it is hindering my credit and should not be being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
I had a fraudulent charge from XXXX XXXX ( debt collector was XXXX XXXX ) for services that I did not approve, consent, nor request in XXXX. I was not made aware that I could dispute the debt. In XXXX I used the XXXX XXXX app on my phone and discovered I could dispute the charge through XXXX. I successfully disputed the charge and it was removed in XXXX for roughly 6 months. Around 2 weeks ago from today ( XXXX ) the debt was reinstated onto my credit through XXXX without any form of notification, which has now costed me a home loan that I was applying for to purchase a home. This debt reappeared on my credit with a date of XXXX ( which is incorrect as verified to me from XXXX XXXX and XXXX  both ) with the debt collector still being XXXX. I attempted to contact both XXXX and XXXX  to remove the charges ( unsucessfully ). I also tried to redispute the charge through XXXX, and my dispute is not even showing up a week later from submitting ( so I'm assuming it has been denied ). This activity, as I have researched and discovered, is illegal. I was not given the required 5 day written notification, nor was I given the opportunity to contest it. The unscrupulous debtor put in the wrong date. And, most importantly, this is a fraudulent charge that I never signed a contract for to receive any services from XXXX XXXX ( and did not receive ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I recently filed a CFPB complaint against XXXX XXXX and TransWorld for their abusive and unfair Debt Collections practices. Both cases were closed and I have new evidence that Tranworld is abusive and they are violateing the law. Attached will be the response from XXXX XXXX. They responded by attaching all paperwork pertaining to how my SSI Check is being garnished and it also shows as of XX/XX/XXXX my balance was {$2100.00}. 
The paperwork that TransWorld sent shows a balance of {$2500.00}. This clearly shows the discrepancy in the amount owed. TransWorld called me approximately XX/XX/XXXX to collect on this debt when I refused to give them more money they added more collection fees. It drastically dropped my credit score ( 66 points ) and I'm in the home buying process. I would ask that this matter be referred to the FTC for further review. TransWorld is impersonating as a government official because my SSI checks are being garnished and I feel like the company is treating this debt like government debt when this is a store credit card debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My loan information has disappeared on the website of my loan servicer XXXX XXXX. Their phones are never answered and each time I call there is a recording stating they are experiencing high call volume and to leave a message. Calls are never returned. It is impossible to get information about the status of my loans or any information whatsoever. I note that there are hundreds of complaints from other borrowers about this company. We are desperate and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at Santander should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX and XXXX should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let Santander type in ANYTHING they want without any documentation or reason. Please investigate Santander Consumer USA for FRAUD..

Company response to consumer: Closed with explanation