vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I took out a private student loan from Sallie Mae beginning in the XXXX School Year. My mother assisted me through the loan process because I was only XXXX years old at the time. We were told by Sallie Mae that we should take out one loan in Semester Increments in order to keep loan costs to a minimum and that I would not need to worry about repayment until after graduation. We were instructed to reapply each semester for the money needed for that semester, but that the money we were lended was only part of one total loan amount. Fast forward to graduation in 2009, when my loan came into repayment. I very sadly discovered that we had been deceived by Sallie Mae. The money I was lended each semester was not part of one loan but, XXXX separate loans with their own flexible interest amounts attached to each one! In my dismay, I had {$89000.00} dollars in debt dispersed between all these loans! That dishonesty on their part has made it nearly impossible to pay off these loans! Right out of college I began making large payments on the loans, but Sallie Mae would not allow me to make overpayments to specific loans. I spoke to them on multiple occassions in between XXXX and they said that they had to divide the payments equally between all the loans and that I could not specify an over-payment to one specific loan. This dishonesty also has made it nearly impossible to pay done the principal amounts. 

I have also had to call for assistance with optional repayment plans due to health issues and my husband 's job loss in between XXXX. I told my only options were forbearance or interest only payments. Sallie Mae advertised that they had income flexible payments, but they did not hold true to that either. 

I now have experienced XXXX XXXX and chronic XXXX XXXX over the past XXXX years and our finances are in disarray due to the dishonest gain of Sallie Mae/ Navient. We never defaulted on our loans and we still own almost $ 45,000.Our monthly payments are {$540.00} dollars each month and we struggle just to make ends meet. I am not eligible for total disability, so there is no option for forgiveness in my case. I am not healthy enough to work more than one day each week, but there is no end in sight to these loans. I just wish Sallie Mae had been honest with us. I would have never done business with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
bought a car on XX/XX/XXXX, and I received a letter from XXXX XXXX on XX/XX/2018 stating they were changing the terms of my loan due to a credit reporting agency called XXXX XXXX XXXX who has reported false information on my credit, also I have not given any authorization to this company to have rights of reporting my personal credit business and choose to opt out there companies data base.

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from XXXX, Transunion and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from Equifax, XXXX  and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Credit Corporation
State: FL

Complaint narrative:
i applied for and was preapproved for {$1000.00} on XX/XX/18. after verifying my identify by way facial recognition, providing my state issued commercial drivers license and my bank statement, i was APPROVED and UNDERWRITTEN for {$1000.00} credit limit. On XX/XX/2018, i received the welcome email stating my card is on its way. Today. XX/XX/2018, i received a random email stating my account has been closed due to conflicting information, but the email never stated what was conflicting nor did the creditor ever give me a call to speak about this. 

I replied to their email but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
I am trying to contact this company to correct some information on the credit status and information pertaining to the debt. they are unreachable XXXX XXXX XXXX XXXX XXXX other # XXXX neither is a good phone #, their fax just rings and rings. How can I resolve this issue if they are unreachable? and why so many law suits against them? I've been seeing so many Texas residents in a class act lawsuit against them. How am I suppose to pay this company and fix my credit if this all going on. why hasn't anyone done anything about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I'm filling this complaint because XXXX XXXX XXXX because i had a car with them that was repossessed with them do to job cut backs in XXXX. I called them back in XX/XX/XXXX and i was told they no later have the account in their office. I was told to call XXXX XXXX XXXX that's who they sold the account to. I called them and i was told the account was inactive on XX/XX/XXXX and couldn't give me any details on the account that i should call XXXX XXXX XXXX for more account information. Once again i called them and they are still telling me contact XXXX XXXX XXXX for further account information. I called XXXX XXXX XXXX again and they keep telling me to call XXXX XXXX XXXX they both are giving me the run around and both companies are not claiming the debt so i feel like it needs to be removed from all 3 of major Credit Bureaus. When XXXX  repossessed the car they came to a shopping center and took the car when i was in the store and i never received any paperwork from XXXX  after they picked the up. I sent certified mail to XXXX XXXX XXXX on XX/XX/XXXX and i never heard back from them. I called XXXX   again and the lady was really Rude to me and she told me to stop calling they no longer have nothing to do with the account anymore and to call XXXX XXXX Solutions and hung up the phone on me. XXXX has the account on all 3 Major Credit Bureaus showing the open but on the credit bureaus its shows Charged off as bad debt profit and loss write-off. This account should not show a pass due balance and all 3 credit bureaus show different high credit limit amounts and different open dates as well. XXXX is still updating this account with remarks and well which is affecting my credit score. 

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ....

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 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: MD

Complaint narrative:
Company place debt on my credit report in the amount of XXXX and I have NEVER received contact from this company and have no idea who they are. Company has not responded to requests for validation. Credit report does not state what alleged debt is for, there was no validation received, and no notification was sent in the form of a letter from agency hindering my right to dispute debt before it was placed on my report. there was no initial contact made by company before debt was placed on my credit report. The alleged debt ( not verified by company ) was placed on my report and could potentially hinder future job promotion, placement, and/or housing for myself and children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 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: MI

Complaint narrative:
i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to Equifax, XXXX XXXX. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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:
Equifax has failed to investigate the fraudulent activity on my credit report. I have sent them the FTC report, Identity Theft affidavit, and my identification documents and I have not heard anything from them. The FCRA states in the event of identity theft, credit bureaus have days 4 to investigate the credit file and notify the account holder. They are in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
At XXXX, XXXX in XXXX AZ in XXXX of XXXX. Time share presentation represented as vacation points. Verbally told to open an XXXX account w/ them ( I already had an XXXX account ) in the amount of XXXX. The amount of a XXXX percent down payment. Verbally told no payment or interest for one year. Membership to start in XXXX, can cancel at anytime. Did not understand that the real estate transaction superseded verbal agreement. 

Received XXXX bill immediately, with interest. Tried disputing XXXX charge, never activated XXXX card. XXXX will not honor any verbal agreement. I am responsible for full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my second attempt to correct the issues with this organization. 

XXXX XXXX XXXX will respond to anything from the cfpb almost immediately, which is why I am using this form of complaint once again. 

XXXX XXXX XXXX has misreported for over 90 days on my Transunion report egregiously. 

According to my findings, XXXX XXXX has not reported payments for XXXX, XXXX, and XXXX of 2018. 

Since this is beyond the 90 day period for reporting as stated by the FCRA, I am seeking a goodwill adjustment from this company to remove the repossession remark on all XXXX major credit reporting agencies. 

You can see my findings in the attached images below. 

I have tried contacting XXXX XXXX since this problem started only to have them ignore my requests for updating. 

Thank you, 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
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I was sued by automobile Acceptance Corporation and they were represented by XXXX XXXX XXXX XXXX XXXX  XXXX. 
They garnished my wages for over a year until the balance was paid. Years later it is still showing on my credit as having a balance. XXXX XXXX XXXX and XXXX was closed down in 2015 and they were sued by the federal government for collecting debts from civilians that was not owed and I am sure that I am one of them. I want the balance to be removed from my credit report and I also want any money returned to me that was not owed or demanded in the original court document. I have not been contacted by the plaintiffs or by this law firm since the garnishment stopped.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018, my debit card was in my wallet at work with me. However, XXXX transactions at a XXXX XXXX in a town XXXX minutes from me, for a total amount of slightly less than {$830.00} went through on my account. Obviously they were not me considering I was at work. I filed a fraud case with Chase Bank. I was given provisional credit that day ; however, XXXX weeks later the charges were reversed. I called in and asked for information on the reversal. They stated that because it was a pin based transaction on a chip card that they had to deny the claim. I requested that the claim be reopened and I submitted documentation from my boss that I was at work at the time of those transactions occurring along with a written statement that I did not conduct those transactions. They denied my claim for a second time following the reopen. I again called in and requested to speak to a XXXX. I got XXXX in their escalation team of which ended up being helpful. She reopened the case due to the fact that it was reported that I stated the XXXX transactions were correct. She submitted the " new '' information after listening to the initial phone call. Yet, it was still denied. They are asking me to reach out to XXXX XXXX to get information on who conducted the transaction and what it consisted of, despite the fact that, that is their job. It has been an entire month since this first occurred and I still do not have my money back and they are still refusing to help me in the slightest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-25 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: MI

Complaint narrative:
i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to XXXX, TransUnion, XXXX. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.

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 2018-09-25 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: MI

Complaint narrative:
i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to XXXX, XXXXXXXX Experian. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Went to Experion website to sign up to Freeze accounts. After completing all the information requested, received a notice that I need to mail in the information. Should be able to do all on-line. Very disappointed! 


We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 
Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security number : Date of birth : [ ] I have included a copy of a valid police report or investigative report or complaint filed with a law enforcement agency, etc. 
Experian 2018. All rights reserved. 
Experian and the marks used herein are service marks or registered trademarks of Experian. 
Other product and company names mentioned herein may be the trademarks of their respective owners.

View Experian 's Privacy Policy

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 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Please see attachments

Company response to consumer: Closed with explanation