vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: United Group Inc.
State: WA

Complaint narrative:
XX/XX/2018 As a first time auto loan seeker I went into United finance to fill out a credit application for a small loan to purchase a used car to get to and from school. When I turned in my paperwork I received negative feedback about being a address confidentiality program participant and at first was denied to proceed with anything. My older sister who has worked in a financial industry and came in with me tried to explain about what the program is and showed the underwriter employee a copy of our cards to explain why we do not have to disclose our address, and wanted to show the representative where he could find out more about this and quote it in the secretary of the states website but the employee deliberately cut her off and raised his voice that I would need to apply in a location closer to where our mail is forwarded in order to proceed. I am filing this compliant because my experience was not only of discriminatory nature, but also to help others from experiencing the same and in hopes that people in the financial industry take the time to really understand the regulations they try to enforce and to actually listen to the customers that seek their professional help. According to state law, no XXXX participant has to disclose their physical address and are only required to show their card in order to peruse financial services. It also my understanding that if they decline service they are no longer in compliance with the state law, therefore I am bringing this to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: Mid-Atlantic Finance Co., Inc.
State: SC

Complaint narrative:
XXXX has been non-compliant with removing the unverified account MID-ATLANTIC FINANCE which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that MID-ATLANTIC FINANCE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: GA

Complaint narrative:
All of my student loans were originated from XXXX. I have repaid the principal balance and interest. The balances are reflective of junk fees, late fee 's attorney fee 's ect that have been accruing interest for over 23 years. I am not able to make any payments on these loans and can not return to school to finish my degree, impacting my credit rating. 

The loans are eligible for cancellation?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have filed BK in 2009 and got it discharged in 2009, under XXXX the mortgage that was involved on the BK still shows up. I need this fixed and OCWEN should not have this on collection. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I got a letter for a debt collector saying i owed XXXX on XX/XX/2017 they threaten me told me that i would go jail ..wait an watch your day are coming ..it said it was laywer from XXXX cty court that i didnt have insurance ..so i tried to get my driver license renew and i couldnt cause they said i owed XXXX to XXXX cty court ..I never received a bill ..i only got calls but nevr any explanations ..so now i have bill of XXXX and i cant renew my license

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX XXXX  - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report

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 2018-11-15 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
RE : DECLARATION of challenge checking for federally mandated REPORTING COMPLIANCE and REQUEST for CORRECTION ( S ) or DELETION ( S ) of INACCURATE or PHYSICALLY UNPROVEN or NOT COMPLIANT INFORMATION per FEDERAL AND MY STATE LAWS. 
To whom it might concern. 
Not an entity today exists that can certifiably ignore its mandated obligations to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself.Per the metro 2 data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIFICATE the verification and validity of the following claims or DELETE NOW : ALL navient accounts on my credit profile. 9 in total

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX  XXXX - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX  XXXX  - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX XXXX - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX  XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report

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 2018-11-15 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
Everything on my credit report has been not only sold to collections therefore I'm no longer responsible for it once they were sold, but it all excceeds the 7yr limit by law n should not be still showing on my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
For the past several months Sallie Mae has consistently applied late fees and given no resolve to my payments being reversed for no reason. I have contacted both my bank and Sallie Mae about this issue, but they continue to badger and harass me after these payments are being made then reversed. The banking information I have on file with Sallie Mae to make payments is correct as at least once the payment I've made posted. That payment was {$160.00} made on XX/XX/2018. After this there is a random reversal of {$53.00} made to that {$160.00} I paid which was done on XX/XX/2018. After noticing this I immediately made another payment of {$53.00} that same day. The same exact thing happened on XX/XX/2018 in the amount of {$53.00}, so I made a payment of {$53.00} again to cover this reversal. Late fees have been consistently added every time this happens, and they tell me sorry, but there is nothing they can do. I made a payment on XX/XX/2018 {$160.00} that was reversed on XX/XX/2018 as well, and again, the banking information is correct as they have had one or two payments that were debited from my bank account. XX/XX/2018 {$270.00} was scheduled to post for the ever growing amount that was past due ( even though I MADE those payments! ), and it still has yet to show debited from my bank account even when it says it has been paid on Sallie Mae 's dashboard for my transactions history. This is wrong, and I want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian Credit Bureau employees have added the " Closed Discharge Chapter XXXX Bankruptcy '' information dated XX/XX/2011, a second time by adding all companies listed in the Chapter XXXX, onto the open Derogatory Current Information. This action was done by a Experian employee for personal profit or personal gain. This is a Discrimination action so that a " HIGHER INTEREST HIGHER COST '', Denial or both. also causing a LOWER FICO Score. I am a XXXX XXXX Veteran and being Discriminated

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 2018-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Everything on my credit report has been not only sold to collections therefore I'm no longer responsible for it once they were sold, but it all excceeds the 7yr limit by law n should not be still showing on my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: ID

Complaint narrative:
I send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: ID

Complaint narrative:
I send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-15 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: ID

Complaint narrative:
I send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On my background checks there is an address listed as mybown that I have never lived at. It is an old address from my ex-husband and I didnt even now him when he lived there. I would like it removed from my personal info. It is listed as XXXX XXXX XXXX, XXXX PA 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 2018-11-15 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
This account has continuously been reported by the collection agency XXXX.. The medical bill was payed off and the agency agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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:
XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which is being reported twice on different amounts! I don't even know who this company is! Experian wouldn't respond when I asked them how and where did they get this information! They just sent me a computer generated print out stating the account and the amount and that they have verified it, that's it. I may not know all about credit reports, but I know my rights as per the Fair Credit Reporting Act. CFPB, amp up and delete the account, I assure you it 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
Consumer complaint received 2018-11-15 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: DISCOVER BANK
State: IL

Complaint narrative:
I have been on time with my payments to Discover CC. I have requested numerous times if my APR can be lowered since I am a good customer, and I ALWAYS hear " we are unable to lower your APR at this time. '' The reason being?! Who knows?! It isn't because I pay late, because I don't. I haven't missed a payment. 

They keep it high because they can. I haven't used this CC since the beginning of the year. How are we supposed to be able to pay off balances when the APR charge is nearly as much as your monthly payment, which is over {$200.00} a month?! *My monthly payment has been around {$220.00}, and the total in interest fees they take is approx {$160.00}!! I'm shelling out to these people over {$200.00} a month and only a quarter of that ... {$56.00} ... is even touching my balance. 

All I'm asking is for a lower APR so my family has a chance to pay this debt off as I'm making faithful payments monthly. 

I think this is thievery and it should be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc.
State: MI

Complaint narrative:
I received a {$300.00} payday loan from XXXX XXXX XXXX and have now made 4 payments on this loan. I called to find out the balance to pay off this loan and was told it was {$310.00}. This turned out that only {$15.00} was going towards the principle amount and the other amount I was paying was for fees applied on this small loan. I complained but was told this is how the loan payment works. This is insane and I want my fees returned or applied as paid in full. I will never borrow from this company or any other payday loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: AL

Complaint narrative:
The aforementioned account with XXXX, formerly XXXX XXXX XXXX was paid in full with an agreement from the collection agency Credit Protection Association to be removed from my credit report. The account is still being reported on my credit file negatively.

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