vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-16 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: NV

Complaint narrative:
In XX/XX/XXXX I received a copy of my credit reports. Upon a very thorough look, I found all sorts of errors. I decided to write the companies that were reporting the errors as well as start the dispute process with the credit bureaus directly. I asked for them to look into payment histories of a few of the companies on my reports as my records were conflicting with theres. Well here 's what happened : when I asked Experian to verify a delinquent payment history that was being reported by XXXX XXXX. 

On the report It read that the account was never late yet discharged through chapter XXXX bankruptcy. I disputed this because I never included XXXX XXXX XXXX in a bankruptcy. I was never late so why would I? In XX/XX/XXXX, Experian claimed that they verified the information as accurate but on around the same time, I had independently asked for XXXX XXXX to please send me records as well. XXXX XXXX could NOT provide me with any records. In fact all I received from them was a letter asking them to help research the items. XXXX XXXX also addressed me in the letter as " XXXX XXXX '' My name is NOT XXXX XXXX. My name is XXXX XXXX. I live with someone whos last name is XXXX that has a XXXX XXXX account and I believe that the company and credit bureaus have somehow merged our information. I sent proof of the letters to Experian and Experian did not change the information and claimed it was accurate! HOW? I sent another dispute in and I got correspondence back that unless I provided additional details that they would NOT reinvestigate the errors. I sent additional proof and they claim that the company verified the information again. I do not believe that they are doing an investigation at all. I believe that they are merely tying in addresses and claiming that they " verified '' it. XXXX XXXX could not provide me with any records but somehow Experian verified the accuracy of the records? Additionally, the original credit limit on the credit card was {$1500.00}. Experian is reporting {$19000.00} balance on the card before their investigation and {$28000.00} after their investigation but in XX/XX/XXXX reported {$1500.00}. None of this makes sense and they refuse to provide any proof of their method of verification of this stuff.

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 2018-06-16 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: OH

Complaint narrative:
I received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to  gain information. Help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
I was contacted by my mortgage servicing company ( XXXX ) in XX/XX/2017, via a mailed letter, stating I was eligible to request termination of my monthly PMI due to my loan to value reaching 80 %. They stated I would need to submit a written request, which I did in XX/XX/XXXX.  I called several times to follow up on the request only to be told they have not yet received my email. They provided me with the same email address I sent the initial request to and told me to re-send the request. Every time I call to follow up on the request they state that they have no record of my request. I feel as if this is a delay tactic to keep me paying PMI. They contacted me, therefore I feel it incumbent upon them to follow through with the removal of PMI from my mortgage payment.

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 2018-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was selling furniture on XXXX. And I got a check and deposited it. But they send a amount more than the furniture because they wanted me to send the rest to the movers. So I did by using XXXX on my bank account all and the check bounced 3 days later. But the check funds were in my account before the check bounced. So they money I sent was my money. I called the bank and they said they cant do anything because I did everything. The bank is fifth third. No one told me that a check can bounce after it was already funded in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
3 years ago my service provider switched from Navient to the XXXX XXXX XXXX. While it was under Navient which was for quite some years while I was still in school they kept dropping my school forbearance and kept telling me I needed to repay it. But I could t because I was still in school. Due to this it showed I had missed payments as well as a drop in my credit due to the fact. 
Fast forward to when I stopped going to college I called Navient to see if there was repayment options but they kept forcing me into forbearance that went on for a few years. 
Fast forward to 3 years ago one day I did my yearly credit report. And it showed that my service provider changed with out me even knowing, I called Navient, they told to call the new service there was nothing they could do. For the past 3 years since this has happened Navient still hasnt taken or reported that my loans were transferred and it is hurting my debt tremendously, I cant get loans to improve my business, and its almost impossible for me to get a place to live because of the wrongful doing of Navient. I beg you will someone please do something about this. Im at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I took out a payday loan in XXXX of an amount of {$520.00} from XXXX XXXX XXXX XXXX. I paid back the full amount due. On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX stating they received my payment of {$520.00}. Then 5 yrs later in XXXX I have been getting letters and phone calls from XXXX XXXX XXXX XXXX for an outstanding balance from XXXX XXXX XXXX XXXX of {$520.00}. I have responded with emails showing the email that I received from when I made the payment of {$520.00}. They sent me into collections and I'm in the process of purchasing a home and this collection is hurting my credit score. I am asking for XXXX XXXX XXXX XXXX and Midwest Recovery Systems to close this debt that is no longer due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Mortgage company roundpoint is not responding to request of closing escrow account and forcing me to keep it open for two years after loan starts even though i meet all the requirement for closing escrow.

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 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I was just informed that on all 3 of my credit reports shows that there is 2 accounts for XXXX XXXX. I am responsible for 1 account not 2 accounts. The account is no longer XXXX XXXX it is now XXXX XXXX. I am currently on time with XXXX aka XXXX XXXX. I am requesting that this be corrected and corrected on my credit report. On my report it should state XXXX XXXX no longer XXXX XXXX and One ( 1 ) account should be showing with payments currently on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX I reported and disputed a charge for a room I received that was not as advertised. I paid for a smoke free room. The room was not as described. However, throughout the days I stayed at the hotel there was the smell of some fume that I am sure was the smoke of XXXX. The smell was also outside of the room where I stayed meaning someone in another room had to be smoking or else it was coming from the air conditioning system. I reported to the front desk personnel who stated there was nothing they could do. The room XXXX did not have adequate air conditioning and also had a window air unit that had to be used to keep the room cool. Paypal decided in the sellers favor whom has no evidence as PayPal allegs I did not have yet made the decision in the sellers favor.

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 2018-06-16 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: AL

Complaint narrative:
This should be sent to XXXX, XXXX, and Transunion I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly

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 2018-06-16 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: FL

Complaint narrative:
On XX/XX/2018 Equifax received notification from XXXX XXXX to remove the Fraudulently opened account. I have sent Police report stating I am a victim of Identity Theft and still no help. This XXXX Account along with a collection account XXXX in the amount of XXXX should have been removed back in XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: AL

Complaint narrative:
This should be sent to Equifax, XXXX, and XXXX  I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: AL

Complaint narrative:
This should be sent to XXXX, Experian, and XXXX I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly

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 2018-06-16 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: UT

Complaint narrative:
XX/XX/2018, my payment was due for my student loan. I have been making regular payments for a year and some. I have however experienced a hardship and lost my job. We were strapped for money. I had to miss and delay some payments in order to meet our more important needs. Sallie Mae has continued to call me 5+ times a day, my husband as well, about the payment since the first day of the missed payment. XX/XX/2018, I called Sallie Mae to tell them to stop calling me 5+ times a day and informed them of my hardship. They didnt listen to my problem and said the calls will continue until you pay. I called for a manager and told them to stop the calls, but they still call my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: UT

Complaint narrative:
The inquiries on my credit are wrong

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 2018-06-16 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: Clarity Services
State: TX

Complaint narrative:
i did not request or aurthorize the inquirie from such companys

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: SUN LOAN COMPANY INC.
State: TN

Complaint narrative:
I mailed this company a letter requesting loan information they are showing as an obligation of mine, but never received a response I want all account information to verify validity of the debt reported.

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 2018-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Professional Recovery Management
State: TN

Complaint narrative:
This is an old account that keeps appearing my credit report and shouldve been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
never received papers that i was being sued never received summons never knew was sued by XXXX XXXX XXXX says summons was delevered to wife XXXX XXXX was not living with XXXX XXXX at that time was not living at address where delevered all papers were returned that mailed never delevered XXXX XXXX  got a Judgement against me and Garnished my bank account for everything I had in I cant pay rent or buy food for my family did not know about this at all the Judgement was from 2010 never knew I was being sued by XXXX XXXX XXXX I dont even know who XXXX XXXX XXXX is Never knew there was a Judgement against me Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: HI

Complaint narrative:
This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$610.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

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 2018-06-16 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: GA

Complaint narrative:
On XX/XX/XXXX I submitted a letter to Experian requesting an investigation into inaccurate information being reported on my credit report. In my letter to Experian I listed specific accounts and they are as follows : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I requested the original signed contracts of these creditors and if the information could not be given then these creditors should be removed from my credit report. 

In XX/XX/XXXX, I received a letter from Experian which stated a complete investigation was performed in XX/XX/XXXX and the information on my credit report is accurate. Experian wants me to send relevant information supporting my claim and if I didn't send relevant information they would not reinvestigate this information again.

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 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$670.00}.

By not replying in a timely manner to my initial letter on XX/XX/2018, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

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 2018-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX XXXX with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation