vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: DC

Complaint narrative:
I reached an agreement with Schlee and Stillman to pay {$600.00} of a {$800.00} judgement. A few months after paying the {$600.00} they levied my XXXX XXXX XXXX account for {$300.00} and are still holding my account hostage. I was never served or notified of a levy. I am experiencing economic hardship because of this company actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
We have a mortgage with BB & T on a property in Virginia. In planning the estate we wanted to transfer the deed to the property to our daughter while retaining life estate. In our initial phone calls to the bank, the local branch manager stated that changes to the deed would not affect their current mortgage. After speaking with our attorney, we asked BB & T what language would need to be in the transfer deed to acknowledge the existing deed of trust. After this meeting BB & T stated they would not accept a life estate deed as this would trigger the due on sale clause. BB & T stated that their policy was only deed transfers to Revocable Living Trusts or straight deed transfers were allowable under the Garn St Germain Act of 1982. After reading this act, the law states " a lender may not exercise its option pursuant to a due-on-sale clause upon ... ... a transfer to a relative resulting from the death of a borrower ( or ) .... a transfer where the spouse or children of the borrower become an owner of the property ''. It is our opinion that if this is in fact BB & T 's policy that life estate deeds trigger the due on sale clause, then this does not comply with the intent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient purposefully refused to disclose the procedure for the removal of a co-signer on my Private Student Loans. That deception has negatively impacted both my credit and my co-signers credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or about XX/2017 I borrowed XXXX $ from Check and Go, I experienced a unforeseen problem. The Company Check and Go continues to call my employer with automated massages. Is this unlawful? I plan to pay my dept, but this is causing problems at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I contacted Experian on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Experian they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
I reached an agreement with XXXX XXXX XXXX to pay {$600.00} of a {$800.00} judgement. A few months after paying the {$600.00} they levied my XXXX XXXX XXXX account for {$300.00} and are still holding my account hostage. I was never served or notified of a levy. I am experiencing economic hardship because of this company actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Stearns Ventures, LLC
State: VA

Complaint narrative:
They gave us 2 estimates. A ) 4 % with {$2600.00} lenders credit B ) 3.875 without lenders credit. I was clear we want the 3.875 without lenders credit and they agreed. However when time to sign, They had locked rate at 4 % with {$1900.00} Lender 's credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2017 A computer glitch that was TransUnion 's problem - not mines - caused my inquiries to be deleted.However TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them being re-adding, I 've contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added.These inquiries has added a hardship, My rights were violated by TransUnion. I am asking for your help with making TransUnion stop victimizing Me.I Ask for resolution that all of my TransUnion inquiries be deleted permanently from your report as a violation took place when they were illegally added Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I purchased a vehicle on X/XX/17 at XXXX XXXX, however on my Equifax credit report I am showing that I have 12 hard inquires pulled that day. That makes a combination of 23 hard inquires total. I have called Equifax on XXXX X/X/17 and X/XX/17 in attempt to resolve this matter. I know my rights as a consumer when shopping for a vehicle or home that when my credit file is pulled many times within a 14-30 day window that those hard inquires are suppose to fall off or count as one inquiry. However on my credit report my fico it is reflecting a total of 23 inquires which 12 are from the XX/XX/XXXX- XX/XX/XXXX shopping period. These inquires have added a hardship by affecting my placing me in a high risk category for credit worthiness. I have been denied credit with reason specifically stating I was denied by having too many hard inquires on my credit file. I am being victimized and my requests are being ignored by Equifax. I am asking for help on this matter as I have failed to get a resolution many times myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I made a payment through the companies website and they purposely mis-allocated. For example, I have 3 private loans and 1 federal loan with Navient. I made a single payment to cover my 3 private loans based on the amount they said was due and they used that money and applied it solely to the federal loan leaving the private loans unpaid causing my account to be late. In support, my private loans total approx $ 1k per month and my federal loan {$50.00} so they took the $ XXXX and applied all to federal in the form of a prepayment instead of covering loans due. Further more, this is not the first time this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: Early Warning Services, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting a checking account from bank XXXX XXXX stating this checking account belongs to me. I have tried to dispute this information and so far EWS has refuse to do anything but give me the run around. I have fax my driver license and social security card with proof of address and still they have not provided me with the report nor have fix the incorrect information. This account does not belong to me. The last names do n't even match, my last name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
transunion is still reporting inaccurate information for XXXX XXXX XXXX # XXXX. this account needs to be removed. I have the account ledger from the bank who states they have notified transunion about the inaccurate information and still transunion has not updated my account. I have also provided transunion with documentation showing this account needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: NC

Complaint narrative:
Transunion & XXXX would not remove these accounts from my credit after doing the online dispute and writing in my dispute. XXXX has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, Transunion, and XXXX would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Transunion customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: NC

Complaint narrative:
XXXX & Experian would not remove these accounts from my credit after doing the online dispute and writing in my dispute. XXXX has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, XXXX, and Experian would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : ***XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX RE Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: CO

Complaint narrative:
On XX/XX/XXXX I contacted ACS Education Loan Services to inquire about the payment history on my account. I consolidated my federal student loans back in XX/XX/XXXX for a fixed 6.625 % Interest Rate. The original loan amount was {$38000.00}. I have faithfully made payments of {$330.00} a month since then. Automatically pulled from my bank account every month. That is {$4000.00} a year I have paid on my student loans. 10 years later the outstanding balance on my loan is {$33000.00}. So I have only paid {$4800.00} on my principal balance in 10 years. How is that possible?! I looked at my payment history and noticed that the payments applied to principal and interest every month varies. Consistently, over 50 % of my payments and in some cases even more than that ( 2/3 of my monthly payment ) is applied to interest each month. Is that normal? Still trying to understand, I asked if they could forward to me an amortization schedule and was told that they could not do that. At this rate, I would n't even be able to payoff my student loan with a 30 year loan term. Does n't seem right!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: NC

Complaint narrative:
transunion is reporting that I have a account with XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). Transunion has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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:
Complaint about a computer glitch that was TransUnion 's problem - not mine - which caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I also contacted TransUnion mulriple times X/XX/17 ,X/X/17, X/XX/17 in good faith to ask them to delete the inquiries that they had illegally re-added but they did not seem to own up to error and brushed me off and these inquiries add a hardship to my life and my rights were violated by TransUnion. I 'm just asking for help to make TransUnion stop victimizing 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 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I opened an account with USAA on XX/XX/XXXX. A transfered was completed from my existing account with XXXX XXXX XXXX to USAA. Then I completed the online documents provided by USAA. <P/>A call was made to USAA on XX/XX/XXXX because the account reflected a " hold '' until XX/XX/XXXX. The customer service representatives could n't tell me why there was a hold. All they would said is the account is under view. However, no one has been assigned to review the account yet. So I was advised to call back next week. <P/>How can this institution agree to open a new, acceptance funds from another bank, and then place a hold on those funds without any real explaination until XX/XX/XXXX?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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:
Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report 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 2017-07-13 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: NC

Complaint narrative:
XXXX is reporting that I have a account with XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). XXXX has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13 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: NC

Complaint narrative:
XXXX is reporting that I have a account with XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). XXXX has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.

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 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
FOR SOME REASON, I FEEL LIKE I 'M BEING TARGETED FOR FORECLOSURE! Provident Funding Associates LP seems to be looking for cause to " accelerate the sums secured by the mortgage, commencement of foreclosure proceeding and sale of property. '' SEE ATTACHED LETTER AND ITEMS XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
While reviewing my credit report onXX/XX/XXXX, I noticed a closed account from XXXX XXXX XXXX with a balance of {$320.00} that did not belong to me. I disputed the account with all 3 credit bureaus and in addition, on XX/XX/XXXX I  sent in an affidavit along with the claim to the creditor itself. On XX/XX/XXXX, I called the creditor to inquire about my claim and was told I would be contacted within 15 days regarding the claim. I have yet to hear from the creditor in regards to my claim, but I have contacted all 3 credit bureaus and have been told that the creditor has reported the accounts to be verified. The creditor has not provided proof of ownership the account, and I have learned the creditor has recently reported bogus addresses to XXXX that do not belong to me which is illegal and improper practices.

Company response to consumer: Untimely response