vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 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 was in a 3 year vehicle lease agreement with the creditor, which I paid off 100 % in a balloon payment at the start of the lease. I turned in the vehicle in XX/XX/XXXX. According to the creditor 's policy the {$590.00} fee is waived if a customer buys or orders another XXXX XXXX. I spoke with XXXX XXXX ( " Salesman '' ) at XXXX XXXX of XXXX ( " Dealer '' ) in XX/XX/XXXX and placed an order for a new car. XXXX contacted me a few weeks later to let me know that this model is now UNAVAILABLE in Diesel. He also said that the dealership would " take care '' of the {$590.00} fee with the creditor as it was not my fault this the manufacturer could not deliver the vehicle I ordered. 

In XX/XX/XXXX the creditor started sending me letters and calling me about me needing to pay them {$590.00}. I explained to them what happened, however they refused to talk to the dealer about it. They also offered that if I paid them {$300.00}, they will be good with that. 

I first contacted TransUnion on XX/XX/XXXX after I saw an adverse account with an outstanding balance of {$590.00} on my report. They delivered the dispute results on XX/XX/XXXX, however nothing changed and this adverse charge was not removed. I initiated a second dispute that same day. TransUnion came back in XXXX of XXXX and nothing changed then either. 

Before TransUnion started reporting this, my credit score was in XXXX. Afterwards, it dropped to XXXX. I have always had an exceptional credit and credit score, and this item has negatively affected my life in more ways than one.

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 2018-02-07 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: CA

Complaint narrative:
On XX/XX/ I sent written correspondence to TransUnion requesting Verification of Negative Items shown on my credit report. TransUnion was instructed to obtain either Verbal or Written Proof Directly from a Person at that Source, pursuant to 15 USC Section 611 ( i ) ( 7 ) section ( 6 ) ( I ) ( iii ) of FCRA. 

On XX/XX/ I sent second written correspondence to TransUnion re-opening the investigation of negative items listed on my credit report. In this correspondence, TransUnion was instructed to provide VALID PROOF OF VERIFICATION BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE or TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. 

On XX/XX/ I sent Third Written Request & Final Warning to TransUnion that they are to reinvestigate the negative item shown on my credit report and to provide PROOF OF ACCURACY OF VERIFIED ITEMS BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE OR TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. 

As of Today, I still have not received any valid proof of verification from TransUnion yet they continue to report the items as accurate and 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 2018-02-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a dispute for debt, this is a request to remove an address that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 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: NM

Complaint narrative:
Equifax, XXXX  and XXXX XXXX are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: Credit Karma, LLC
State: CT

Complaint narrative:
Several weeks ago, I attempted, for the first time, to sign up for an account with Credit Karma. 

During that process, the website indicated that an account had already been established in my name. 

I have never before opened, nor attempted to establish any Credit Karma account, nor has anyone ever been authorized to do so on my behalf. 

The Person or persons responsible for establishing and accessing this account have done so fraudulently and have done so using my personal identifying information. 

My attempts to reach the executive offices of Credit Karma have been unsuccessful since the company has NO contact information including valid address, working phone numbers nor email or fax numbers for its executive offices. 

While it is deeply disturbing to learn that confidential information has been fraudulently accessed and may have been disseminated, my concern is further magnified given the absence of clarity as to how long this account has existed or what actions third parties may have taken using this information in violation of applicable law. 

Upon discovery I filed a report with the XXXX Police Department indicating that my identity has been compromised. The Case Number is XXXX. 

I believe that the same parties have been illegally obtaining access to other accounts using my personal identifying information. 

I would like to determine all the salient facts so that I can protect my rights and take appropriate action. 

I would hope and expect that Credit Karma will seek to have the responsible held accountable under all applicable civil and criminal laws. Credit Karma needs to also establish a commercially reasonable way that their offices can be contacted in similar circumstances and to establish procedures to prevent this from recurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
My issue is with XXXX, the XXXX XXXX. XXXX XXXX major contracted loan servicing company. This is the loan servicer that borrowers are *forced* to use when attempting to have their loans forgiven via the Public Service Loan Forgiveness program . They are notoriously incompetent, and so I have exercised extra vigilance in monitoring how my loan payments have been handled. Even with my extra effortsand even though I've only been paying XXXX for a year and a halfthey have already massively bungled my PSLF. My complaints : 1. They have miscounted the number of of qualifying payments I have made towards PSLF. Despite direct debit, which provides explicit documentation of every payment I have ever made to them ; and despite the fact the I have only worked at one employer the entire time my loans have been serviced by XXXX other words, despite an extremely straight-forward PSLF situationthey have *still* miscounted the number of qualifying payments I have made, missing the mark by six whole payments ( months ). Calls to customer service have been fruitless and frustrating, and it took a call to the federal student loan ombudsman to receive the " secret '' phone number to an " escalated '' ombudsman who actually took the time to hear my complaint. 

2. In the process of sorting through the above, I discovered that, when XXXX XXXX consolidated and received my loans from my original servicer ( the much more reputable XXXX XXXX ), they neglected to take ownership of two of my original loans. I was not alerted to this fact. In fact, I was not made aware at all that they could possibly not take ownership of my entire debt ; I was only told that my loans had been successfully transferred. The result is that, for 13 months, I had two long-lost loans that remained at XXXX XXXX, that were going unpaid and unnoticed by me. I then spent 3 hours on the phone, with XXXX separate ombudsman ( at the federal level, at XXXX XXXX, and at XXXX XXXX ), and I still have no clarity on what I need to do with these lost loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! XXXX XXXX went into my report on XX/XX/XXXX again on XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX again XX/XX/XXXX. XXXX XXXX XX/XX/XXXX again on XX/XX/XXXX. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score, which is a lie. XXXX XXXX gave me three fico scores in XX/XX/XXXX. XXXX XXXX, Equifax XXXX and XXXX  XXXX. I received these scores over the phone from XXXX. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, Equifax XXXX had this abuse not happened I would be well into the mid XXXX 's, since I have no derogatory marks against my credit or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: Innovis
State: NY

Complaint narrative:
I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! XXXX XXXX  went into my report on XX/XX/17 again on XX/XX/17, XXXX   XXXX XXXX XX/XX/17 again XX/XX/17. CBC Innovis XX/XX/17 again on XX/XX/17. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score, which is a lie. CBC Innovis gave me three fico scores in XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX. I received these scores over the phone from CBC. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, XXXX  XXXX had this abuse not happened I would be well into the mid XXXX 's, since I have no derogatory marks against my credit or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CBA of GA, Inc.
State: GA

Complaint narrative:
CBA reported false info on credit report. Debt was paid in full and balance is 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 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I am being told i lived at a place called XXXX XXXX by a collection agency called ideal collections, i have lived at the same ady since 2003, i have provided police reports ID utility bill history etc the company wants all my tax returns mulitiple ID 's and my SS card and the credit beurus keep  removing this collection then the company threatins me and puts it back on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
Received both subsidized and unsubsidized loans from XXXX XXXX for $ XXXX and signed loan agreements for 4.25 % interest. XXXX XXXX rolled the loans over to Navient. 
My payments are up to date.I have been paying {$200.00} a month for over 15 years. 

- They do not give you a way to pay more than the minimum amount every month. 
- At the end of the loan, the amount paid back above the principle was $ XXXX - Instead of the 4.25 % interest I signed for, they are charging 50 % interest which is illegal in every state. 
- When I called to try to find out why they were charging that much interest they sent me copies of a TIL statement that I had not seen and did not sign when I took the loan. 

This needs to be investigated and stopped. XXXX XXXX and Navient need to pay back the over paid interest. My loans should be fully paid after 15 years of making payments - but I'm still only half way through paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: NM

Complaint narrative:
XXXX, XXXX  and Trans Union are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: NM

Complaint narrative:
XXXX, Experian and XXXX XXXX are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Starting in XX/XX/XXXXXXXX I started making trial payments for the Home Modification program after sending in several completed Home Modification packets with all the required information. The first payment I made in XX/XX/XXXX was voided unbeknownst to me in the customer service department. I continued making payments in the amount of {$380.00} for three months and even made a makeup payment in XX/XX/XXXX. I then heard nothing and reached out via email to each and every " specialist '' and still no response. I would just receive new letters every few weeks naming a new specialist. Finally, in XX/XX/XXXX, I was put in contact with a XXXX XXXX XXXX. She and I worked together to get all documentation together from my brother and sister ( also owners of the property but not on the loan ). In XX/XX/XXXX XXXX XXXX advised me that I needed signatures of both my brother and sister by the end of month of XX/XX/XXXX. XXXX XXXX confirmed all of this information with the Loss Mitigation manager in XX/XX/XXXX and sent me an email with in XX/XX/XXXX confirming that modification documentation had been drafted and I would receive them shortly.. 
I obtained all necessary signatures with notary stamps and they received all documentation by XX/XX/XXXX. I also made the new payment of {$750.00} in XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me by phone that I was denied by the Loss Mitigation manager and my file had been closed in XX/XX/XXXX. I reconfirmed all of the previous instructions with XXXX XXXX who confirmed the above facts and told me that I had followed all the instructions as requested by Citimortgage and the Loss Mitigation and she was shocked about the outcome and admitted that she even emailed the Loss Mitigation manager who told XXXX XXXX that " she " misread or misunderstood her email. I was also told I would receive a letter with explanation for denial and file closure. I have not received the letter. 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 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequoia Financial Services
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and in late XX/XX/2013, I was involved in a car accident. The accident was the fault of a XXXX XXXX, who had XXXX me. I was XXXX  after the accident and taken to the nearest hospital, which was XXXX XXXX. 

From my understanding, the driver 's insurance very minimal and at the time I did not have insurance, so the cost of the hospital bills were not able to be fully covered. 

The reason I did not have health insurance at the time was because I was working one job for minimum wage and going to school and could not afford it. 

Months after the accident, I was sent bills from a collection agency called Sequoia Financial Services for XXXX XXXX. The bills were for the amount of approx. {$25000.00} and have been collecting interest, I imagine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
so my mom flipped out on the phone w/ XXXX XXXX " '' un XXXX '' the state named XXXX and personally if i owned a bank i wouldnt for customer service, i wouldnt have my clients call some other planet where economy is diff, not us dollars money and law just hear me out. and the decisions made that board of directors have no clue and i dont know XXXX about economics law and credit for instance about a momth ago XXXX sent mom a letter stating since you havent used their card for i dont know 45 days were terminate ya acct which doesnt cost them overhead keeping acct open and by cutting a potential profit XXXX ceo would lose their mindZ not over a XXXX dollars but as a XXXX i dont think its good business protocol to cut potential profits and oh ya XXXX eventually tells mom five years ago they used to take a set amt every month but isnt i mean five years to without permission go into someones checking account not tell them not ask them not even the exact amount taken out five years ago. basically XXXX picked a round number hit subtract and put yourselves in moms shoes and out of all the defense exhibits defense counsel may show the jury XXXX aka XXXX decided fove yrs ago they had a deal. thats the diff between XXXX and everyone else XXXX never uses paper currency its numbers on a screen no emotional ties where as XXXX cards by citi bank and banks ots a life situation you have only so much paper currency everyday as XXXX day in a branch of citibank. where XXXX no bank lets say i bought a car on ebay but XXXX lost it in mail so you disute charge where XXXX immediatly freezes that amount until a decision is made XXXX they not only want you to pay for what you never received but they making profit on interest if you dont pay bill now when it takes XXXX XXXX months make decision its your fault they take XXXX months but i didnt get product and thats my fault and am responsible for holy XXXX XXXX and XXXX have insurance for what reason? and you see im sure you hear stories like this everyday but a ) it still goes on and b ) do ya jobs, the checking acct and credit card are two diff accts thst dont know the other exists and c/o the great state of XXXX and XXXX goes but both accts through our company wha you want a XXXX medal? if someone hacks my bank acct and police find out who withdrew funds they get arrested but then here we are. if you have any questions comments or concerns my house number is XXXX and please write me a letter via mail @ XXXX XXXX XXXX XXXX XXXX, newyorkstate 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 2018-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I financed 2 cars through BMW financial services on XX/XX/XXXX and XX/XX/XXXX. They were both taken from me ( repo ) on XX/XX/XXXX with a one day notice. They were taken because of where they were located and not for missed payments. They said that the contracts states that the cars must be garaged at the address on the contract or I am in breach of contract. A BMW financial employee that represents the company was personally looking at my social media accounts such a XXXX and XXXX. He actually wrote a letter stating that was not true and also that the cars were picked up because he thought they were being used as rental cars. I have disputed all of this because it is not true. They took both cars and did not allow me to make payments on my accounts ( locked out ). One car is showing {$0.00} balanced owed repo and the other is showing {$80000.00} balanced owed repo. As you can see I only had the cars for 2 months before they aggressively took them. I do believe the individual I mention in this email is the same person that ordered my cars to be repo. The credit reporting on these 2 cars are effecting my credit in a very negative way. I bought over 10 cars from BMW over the past 5 years and never had any issues before.

Company response to consumer: Closed with explanation