vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-10 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: CONSUMER PROTECTION ASSISTANCE COALITION, INC
State: CA

Complaint narrative:
CFPB please investigate this matter I have been disputing this account for over a year XXXX  refuses to remove this account even when it was stated in a CFPB responce this is credit manipulation at its best I have contacted, XXXX  they still refuse sent them copy of enclosed still nothing I see that you refer it ti OCC but I never get anything done or hear back from them I'm not asking for you to do anything your not supposed to do but if the FCRA laws are being violated and they are by false reporting I would think you can enact on that, there own report shows violations No date of last payment, no date it was closed just those reasons are violations to be removed .I give you permission to investigate

Company response to consumer: Untimely response
Consumer complaint received 2019-03-10 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: NY

Complaint narrative:
I am an authorized user on an account with XXXX XXXX XXXX that was charged off for {$140.00}. I am not responsible in any way for that charged off amount. The account is not in my name. I asked the account holder to put me as an authorized user to help me build my credit. Well now the account is charged off and is drastically hurting me when I apply for credit. I have disputed this account with the credit bureaus MANY TIMES. The most recent time was this month. I have asked the bureaus to validate that this account is reporting correctly on my credit report. XXXX has deleted the account from their file because they could not validate it to me with proof. Experian and XXXX have not removed the account. Experian keeps saying that the account is verified but will not show me any proof of verification. How is that correct? How can one account have the same information and one bureau not able to verify yet the other two are able to verify the account? That sounds impossible.

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 2019-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been a victim of inquiry issue with TransUnion I didn't apply for 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 2019-03-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Immediate Credit Recovery
State: NY

Complaint narrative:
I recently received a collection noltice from Immediate Credit Recovery Incorporated saying that I owe {$1200.00} for a previous student loan debt. I'm currently paying my student loans every month and I have never heard of this bill. I disputed the claim with the collection agency asking them to validate this information with a signed contract from me. They did not send me a signed contract. They sent me a bill claiming I owe. This bill doesn't prove anything. I still don't see where I owe this agency anything. They are not following the law by sending me a signed contract with my name on it proving that this debt is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: AL

Complaint narrative:
I have a victim of identity theft ... The account is Alabama state XXXX XXXX XXXX amount of XXXX I never had this account it is not mine I filed a police report I have also filed a report with the federal trade commission.. it still hasn't been removed off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi, I filed a dispute with Equifax on XX/XX/2019. Confirmation # XXXX. Promised that they would provide the results by XX/XX/19. Results were never received. I contacted Equifax via phone on XX/XX/19 at XXXX eastern and spoke with XXXX # XXXX. At first she argued that a dispute had never been submitted. Then, she apologized that the results weren't sent out and would put them in the mail. I asked to speak with a supervisor and she placed me on hold for about 25 minutes until I hung up. 

It is XX/XX/XXXX and I have yet to recieve the results of my dispute. In fact, I recieve error messages when trying to pull my report via their online website. I have recently mailed tried calling once again only to be told that the systems were being updated and I should call another time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 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: AL

Complaint narrative:
I have a victim of identity theft ... The account is XXXX XXXX XXXX XXXX XXXX amount of XXXX I never had this account it is not mine I filed a police report I have also filed a report with the federal trade commission.. it still hasn't been removed off my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance CAS, LLC
State: FL

Complaint narrative:
I entered into a payment agreement with Alliance CAS for XXXX HOA collection fees on XX/XX/XXXX. I received one invoice dated dated XX/XX/XXXX, with a balance of {$1000.00}. At the time of the agreement, XXXX HOA fees had not been assessed, and were not due. Therefore, were not part of my payment plan. On XX/XX/XXXX, the XXXX XXXX XXXX held a meeting to assess XXXX fees, and vote. On XXXX I called XXXX XXXX to inquire about my coupon book. I was told that I was to pay through Alliance CAS. I stated to XXXX XXXX XXXX president, that I had not received an invoice, coupon, or any type of notice for payment. I advised I would pay through XXXX XXXX XXXX as I had with my XXXX dues, that I only owed Alliance CAS collection fees, I had paid all assessment fees, and lien fees directly to XXXX XXXX XXXX via XXXX XXXX XXXX. On XXXX, I received an email from XXXX stating I owed a late fee, and the full amount of {$390.00} for XXXX. However, I had not received a notice and asked her to remove late fee, and to break my payment into two payments as the other residents were afforded. She did not respond to my email. Instead ... sent me a certified letter of the late fee due. Please see attachment. You will see I have made my payments per the XX/XX/XXXX agreement, and only invoice received on XX/XX/XXXX. On XX/XX/XXXX, {$190.00} was due ; however, I didn't received coupon book for XXXX XXXX XXXX, and {$190.00} is due XX/XX/XXXX. I emailed XXXX twice, and she has yet to respond to resolve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: EQUIFAX, INC.
State: CT

Complaint narrative:
In XX/XX/2018 I looked into qualifying for a mortgage and my credit was pulled by Factual Data on XX/XX/2018, this was a hard inquiry On XX/XX/XXXX .. 11day later I inquired with a competitive company, XXXX who used Equifax Mort and another hard hit was made against my credit report.

My understanding is the inquiries for the same purpose, like a mortgage inquiry, that are 14 to 45 days apart should NOT be treated separately, I should not have that second hard inquiry listed on my report. 

I contacted XXXX XXXX to complain and got the run around ... twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Previous request for paper work before loan was transferred to about 2 other collections agency and payments made to them before it was transferred to another agency. I have sent 2 certified request on XX/XX/18, and XX/XX/18 both show signed by office, for copy of the loan documents showing interest rate and amount owed, was this a {$500.00} loan that now shows {$2600.00} after payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I was given a fake check which I didnt know was fake when it was submitted to me I deposited it into my account I was told to send money to another state which at the time was one of those forgein scams my account then went into the negatives and I was forced to try to get my money back on my own. I originally answered an ad for a XXXX XXXX on XXXX and was targeted by a scammer and now Im out of XXXX. The fake check I was submitted was for XXXX which bounced my account when I sent XXXX dollars to Texas I contacted my bank for assistance on getting my money and they wont help me the cops wont file a report and Im out of money bills to pay and I work hard for my money I dont appreciate it being stolen Ill know better next time please assist me in getting my money back.

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 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX # XXXX I am the cosigner for both the account referenced above. My daughter, XXXX XXXX XXXX, married name XXXX is the primary account holder. 
The credit report shows 2 late payments one for each account in XX/XX/XXXX days XXXX and her husband had been making the payments on these accounts consistently for over 2 years, on occasion I would get a call from Naviant that the payments were late, but they always arrived before I needed to be concerned. 

I expected the same on this, it wasn't until I was getting constant and harassing call from Naviant that it became apparent the something was wrong. 

I reached out to my daughter, but got no response, we have been estranged since her mother I am got divorced, I reached out to her husband and my ex-wife, still no explanation or communication as to why the bills had not been paid. 

I than reached out to Naviant, apparently the reduced payment agreement between Naviant and XXXX had expired and the payment went from XXXX per month to over XXXX a month. 

XXXX manages a retail XXXX XXXX facility and her husband had just graduated law school and was working on passing the bar, there was no way they could manage a {$650.00} a month payment. 

I discovered speaking to Naviant that, XXXX could have extended the agreement with a simple phone call or applied for an income-based payment program, she did neither, and when I attempted to extend her agreement I was not allowed to because I was not the primary signer on the loan, I could do nothing but pay, I had no other options. I did pay to have the late reporting delayed for another 30 days but with such short notice and no warning I could not pay the entire almost, XXXX that was due. 
I was already paying to have 2 other of her loans that we in default rehabilitated. 

The plan was and still is to consolidated or refinance all 4 loans with an income-based payment plan, this has been agreed to by My daughter, her husband and my ex-wife.

These 2-late payments seriously affected my credit score, dropping it over 100 points.

I have assumed the responsibility for these 2 loans until such time as we can get the loan consolidation completed, but the impact on the drop in my credit score makes this more difficult and complicated.

I did reach out to Navient to see if there was anything to be done about getting these two-late payments removed but I got nowhere. 

There are reasons why Navient has one of the worst customer service rating is the industry and they are being sued by a half a dozen or so states

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: CA

Complaint narrative:
My Experian credit report showed that on or about XX/XX/2018, I had a late payment account and a collection account with the debt I never owe. I disputed and Experian refused to delete the incorrect 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 2019-03-10 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: NJ

Complaint narrative:
XXXX and XXXX XXXX XXXXXXXX were original creditors for two credit cards that went into a default status. The creditors have since charged off the accounts. However, after contacting the creditors and Experian regarding the status of the accounts in writing the creditors and Experian have failed to update the status of the accounts to reflect sold to a third party and that the balance is now {$0.00}. Furthermore, Experian has confirmed by phone that the creditors are still reporting the accounts as owned by original creditors which is inaccurate and interfering with my ability to gain new credit in an attempt to raise my credit worthiness.

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 2019-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
i started the account ending in XXXX in XX/XX/2015 through the four year period I have been taken advantage of. Most recently a letter was sent certified mail to cancel it. The tracking number XXXX XXXX XXXX XXXX XXXX. It was suppose to be received on a Thursday but didnt get to American Express until a Friday Morning. The company is still trying to keep the account open. I want the account to be closed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I received a letter from Diversified Consultants dated XXXX.19. On XXXX.19 sent a certified letter to Diversified disputing and explaining that I had already set up a monthly plan and had made payments, and that amount on their letter was not accurate. Instead of sending me the back up records they ignored my letter and reported this incorrectly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
" Reference to People United Bank ''. I fell behind on my loan and before People United Bank ( Formerly XXXX XXXX ) and I went to reinstatement my loan the judge allowed them {$15000.00} in attorney fees. At the time of the reinstatement, they invoiced me {$54000.00} for attorney fees and another {$5000.00} in committee fees. So at the reinstatement, I had to give the bank {$59000.00} or lose my house. That didn't include the {$600000.00} that they had requested that I also paid. They said if I didn't pay them everything they would foreclose on my property. The Bank totally disrespected and disregarded the judge 's order. The breakdown consisted of 6 bullet points with two to five-word breakdown on each. Nothing more explaining how they came up with any of their numbers. The banks closing sheet changed 3 times over the two months prior to closing by {$31000.00} in their favor. They clearly had no accountability for their numbers. After the closing, I emailed to ask for a breakdown and a credit for the fees. The sent me two small checks at different times stating they had overcharged me at the closing on the interest and escrow. After that, there was radio silence and XXXX XXXX didn't return my calls or emails. I received a letter that People United Bank bought out XXXX XXXX. I guess XXXX wanted to make their books look as good as possible even at the cost of their clients. I then notified CFPB and received partial credit for the overcharge of attorney fees and committee fees in the amount of {$13000.00} still leaving a balance owed to me after also deducting for the {$15000.00} ordered by the judge of {$30000.00}. I guess they thought giving me something would make me go away. I finally spoke with XXXX XXXX XXXX loan operations a few times at Peoples United Bank. He promised me about 6 weeks ago that he would get me a DETAILED break down of the closing. I have never heard back from him nor have I received any of my overpayment back. I left him a message a few weeks back and still radio silence. This seems to be the protocol for the way they do business. I keep trying to work with the bank before going back to the judge and having to waste more money on attorney 's fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have been making extra payments to my account to go to the principal amount and Ally kept the money towards future payments. I called after the first time that they did not allocate the additional monies I sent to principal and they said " they do not do that '' - it could only be held for future payments. I checked with other people who told me that if I asked for it to go to principal that it should and I called again and they said they needed my request, in writing. I wrote them an email through their online system and again they said they do not do it that way. I wrote again and asked for an accounting of my accounts and they said they do not do that. My wife then called them ( with my permission which I gave them on the phone ) and she kept escalating it until she got someone who said they would send out an accounting of monies paid throughout the time we have been paying - since XX/XX/XXXX. On the payment history, it says " unpaid balance '' {$8100.00}, but then it states below that the remaining unpaid balance is {$8500.00}. My monthly scheduled payment is {$290.00}. They STILL have not re- adjusted or re-ammortized - in the account online - it states that they have taken the recent additional payments towards future payments and that my next payment of {$180.00} is due on XX/XX/XXXX. I also believe they do not ammortize their loans properly. I have had many loans over the years and have never seen one that the interest rate and principal " fluctuate '' instead of going up and down as on an ammortization schedule.

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 2019-03-10 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: AES/PHEAA
State: AZ

Complaint narrative:
I have student loan accounts on my credit reporting that I did not authorize. I have never applied for student loans due to the fact that I never attended college. This information is incorrect and does not belong to me. I have reason to believe that my personal information may have been compromised.

Company response to consumer: Closed with explanation