vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Services, Inc.
State: NY

Complaint narrative:
Around 2015, i applied for a graduate program in XXXX XXXX which i was granted and i was given a grant of 2,000 plus, but in my admission letter, it was not stated that i will pay back the grant if i drop out of the College, but the college wanted me to pay back the grant after, they have me pay the loan i borrowed for the little time i was there. 
I have asked them so many times to send me where or a letter that states i have to pay back the amount if i do not finish my course in the college, which till date i have not seen and thing from the college and just for me to see that i had been taken to a collection agency. 

Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The original loan was with XXXX and then that company went bankrupt. The loan kept gaining interest and it was not communicated to me who was the owner of my loan and what was happening with my loan. I did not know who to contact. Now, XXXX is the owner but they are hard to contact because they do not list a telephone number or who their staff is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: TX

Complaint narrative:
taking more than 30 days sent po report, id theft letter and inaccurate information violation of my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: TX

Complaint narrative:
taking more than 30 days sent po report, id theft letter and inaccurate information violation of my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For 2 weeks I have contacted Chase regarding fraud charges on my XXXX XXXX card, for XXXX weeks I have initiated contact with the vendors to get credit for the fraud charges, for 2 weeks I have given Chase the persons name, email and location, yet Chase continues to allow charges to my debit card. Why should I have to close my card and wait 5 days for a new card when they can contact this person to stop. Here is the latest charges XXXX XXXX XXXX XXXX XXXX. debit {$48.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
This debt collector has called my family members not listed on the debt to discuss amounts/payment arrangements/when the last time the account was paid, etc. Private information was shared with someone not listed on the account in question. Repeated phone calls have come to my phone multiple times per day. In addition, this collector has contacted my work ( I 'm a school teacher ) and has called my classroom during school hours. Their tactics are increasing even though payment has been submitted via mail. They have been asked to stop, however, more calls have been received since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Fedloan Help
State: NJ

Complaint narrative:
CFPB, I recently followed-up on my initial case to check the status ( Complaint number XXXX ). I was advised that the XXXX XXXX XXXX XXXX company responded, saying that they do not service private loans. Per the instructions of the representative I spoke with, I am submitting another complaint to clarify that I was not referencing any private loan, only the federal loans I have with the company. Please let me know if there is any other information I can provide to complete this investigation. 

Thank You XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
There is an unknown account that was just reported on my personal credit file that is unknown to me. This is a mistake as I do not owe anybody this amount. Pleaes help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION
State: MI

Complaint narrative:
BB & T locked my savings account after a year of no withdrawals. I transferred funds into the account, after all, its a savings account - designed for long term savings - but BBT doesnt consider the transfer of dollars into the account as an activity. Now the dollars transferred are locked. They state that i need to come into a location to unlock and receive my funds. 

I live out of state. I have a notarized letter stating my desire to close out the account and release my funds. All attempts to fax fail as the line is constantly busy. The bank has yet to return my calls to e-mail them a signed copy as an alternative to their fax. 

This is the BB & T on XXXX XXXX in XXXX VA

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 2017-11-16 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: FL

Complaint narrative:
ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS.
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
We have been getting repeated calls from the company Freedom Mortgage. This has been happening for several weeks. In each case we have informed them the house has been paid off since the late XXXX 's and there is no intention to open a loan on a house that is paid off. We have been told repeatedly that we applied for the loan which is not true. We have repeatedly asked to be removed from the call list. WE have been repeatedly told it would be done. This morning alone we received two calls no more than 5 minutes apart. The main Customer Service phone number for Freedom Mortgage is 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 2017-11-16 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: CA

Complaint narrative:
A current report from Experian is reporting a XXXX XXXX XXXX paid collection that was deleted from my credit file back in XXXX XXXX2017 and now it has been added back on to my file with Experian. The CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ).

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 2017-11-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and Equifax several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: LEXISNEXIS
State: IL

Complaint narrative:
XXXX XXXX, 2017, LexisNexis sent me a letter indicating they were " suppressing '' the bankruptcy record on my file maintained by them. I assume their use of the word " suppressed '' is tantamount to " deleted ''. As on this date, I have not received a resolution letter or the updated XXXX XXXX report. Additionally, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal Case # XXXX LexisNexis Consumer #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XXXX I went into a Navy Federal Credit Union branch in The XXXX XXXX area and filed for a refinance for a XXXX XXXX XXXX that I purchased through them. I was told on the phone earlier in the month that I could do that by one of their agents. I was out of work and had been since XX/XX/XXXX and was starting to fall behind in payments. I was told this as a temporary solution to my financial problem. We went back and forth for a couple of weeks and then they decided to grant the refinance. They told me that I could n't get the refinance unless I give up the insurance that I had on my loan. Since that time I noticed that they are charging me {$29.00} assessment fees and increase Balance adjustments fees also {$29.00} during the month. This is not helping when it comes to paying off an account no matter what kind. We have discussed fees many times and I am tired of talking to them about this and need help. I am a long time customer and been with them for many years without incurring any problems until now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX XXXX XXXX / Navient I would like the following amounts Be removed from all 3 credit agencies immediately. I am in the process of buying a home and this is stopping me from obtaining credit. The original loan dates are XXXX XXXX 2011 in the amount of XXXX / XXXX XXXX 2011 in the amount of XXXX in which according to the SOL in Ohio is 6 years. I would like for this to be removed from my credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: FL

Complaint narrative:
ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS. 
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM 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 2017-11-16 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: FL

Complaint narrative:
ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS. 
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM 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 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
Date-XX/X/2017 Amount- {$150.00} Company- Convergent XXXX XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX XXXX Ceditor-XXXX Client #  XXXX Convergent Account # XXXX Amount Owed {$150.00} Sent this notice that the records of XXXX XXXX show a balance of {$150.00}. XXXX due in full. 
This is an attempt to collect a debt. 

I have contacted XXXX and they did not show me owing any money to them. 

This is a fraudulent claim, I do not owe XXXX any money and they have no record of this debt.

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 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have several complaints about Equifax. 

1- I have repeatedly filed several complaints ( over 2 years ) using Equifax 's online system to have them remove the suffix of XXXX off my report.. Every time I ask them to do this, they provide a confirmation number and tell me it will be removed in 30 days. They send me emails that say the fix has been completed, but it is STILL not fixed. Instead, my profession as a XXXX and an XXXX XXXX were omitted off my report. I did n't ask them to do this!! 

2. Prior to submitting the complaint to remove the suffix XXXX, my credit score was in the XXXX. After Equifax sent me a confirmation stating they removed the XXXX ( which they did not ), my credit score dropped from XXXX to XXXX without any reason on why. XXXX and XXXX both still reflect the accurate same score of the XXXX. 

3 - In XX/XX/XXXX, I requested that Equifax send me a monthly credit report. The charge of {$19.00} was more than I wanted for my budget, so I called in and requested they cancel the subscription. They convinced me to continue and they would reduce my price to {$9.00} a month instead. I accepted. In XX/XX/XXXX, I received a bill increasing my monthly subscription fee to {$19.00}. Customer service did not verbally explain to me or send me email stating that the price would increase to {$19.00}. It was explained that my regular monthly payment would continue at the {$9.00} until I cancelled it. 

My private data was breached and what appears with my name is not accurate using XXXX. I tried calling in to get these issues fixed but no one fixes them. I only get a confirmation number and I get switched around from customer service rep to customer service rep. 
These things are affecting my ability to buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
My sister asked me to co sign a vehicle for her. She and the Car dealership had me sign in the Owner portion of the loan instead for a specific vehicle. When I left for sea with my ship, my sister went back to the dealer with my father and had the vehicle swapped. When I came back and realized this it was already too late to change anything. She is not paying the bills on time, still owes the state of Virginia registration fees that has not been satisfied in over a year. I called Ally Financial multiple times explained the situation and asked them to repossess the vehicle because I no loner want it and they refused to do so. They keep telling me that she needs to agree to the repossession. I told them the address where the car is located and I also give them her contact info. The vehicle is parking with no insurancing or a current registration. I do n't want to be lliable for the vehicle as I am still the primary owner of the car. I want them to reposses it. I already give them the location of the vehicle multiple times and they still have n't picked it up.

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 2017-11-16 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: SC

Complaint narrative:
There are several items appearing for medical which are inaccurate and false information. I have tried several times to request validation and nothing has been sent. How is Equifax able to keep these on my credit file? I need help XXXX Accounts # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I 'm tying to open and account but they will not let i do n't no what is wrong i do n't own no one anything.

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 2017-11-16 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: TX

Complaint narrative:
I have disputed a tax lien on my credit report from Transunion on 3 different occasions. The lien is not on my XXXX or XXXX credit report which I have attached. Transunion only says that the lien has been verified but did not furnish me with no original documentation on who or how it was verified.

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 2017-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I have been in contact with mr cooper going through a re modification I was notified XXXX via mail my modification was missing 2 documents that were due by XXXX I emailed them the morning of XXXX and got confirmation the modification dept received my documents. Later that night I was notified by a " house flipper '' not mr cooper my house was being auctioned off the next day!! Even after mr cooper acknowledged receiving my documents they attempted to auction my house without any notices sent to me my documents are not even due till XXXXi am a mother of XXXX full time employment and was told to file for remodification by Mr. Cooper 's upper management and in return they try to auction off my house without giving me the chance of my read modification to go through to be excepted or denied and did not notify me of anything in anyway shape or form and told me this morning that even though I am in we modification that they can still auction off my house which is not legal in the state of Michigan my home did not sell in the auction today and with the mis representation of mr cooper and lieng to me I have retained legal counsel today for arbitration all I want is to remodify my mortgage and continue paying on my home like I have the past 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: SC

Complaint narrative:
There is an account that Experian has listed which is unknown and not able to be validated as I have tried several times. I want this remove it is violating my rights XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation