vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Tried to get my free report from all three companies. XXXX XXXX XXXX were no problem. TransUnion would not let me see my report because the incorrect information in their file results in my answers to their " identity verification '' questions disagreeing with their erroneous data. A phone call basically resulted in a sales pitch for multiple services, none of which I need or want. I want to correct the info but they wo n't let me see my report! Examples : 1 ) What model year is your XXXX? I do n't even OWN a XXXX! 
2 ) What county have you lived in? My answer was " none of the above '' because none of the counties applied to me! 
There were a few others, the reult of which was I failed to prove who I was. I want to correct the data but I need to SEE it and they refused. This is unacceptable! 
Thank you for listening!

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 2017-10-05 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
There is an old fraud account from chase on my credit report being reported as a charge off. XXXX refuses to remove the account even though it is inaccurate and I have supporting documentation. The account in question is part of a fraud case and to resolve the case chase and I agreed to settled. The account was should have been removed but XXXX refuses keeps saying validated. I asked for information as to who or whom they validated and information they submitted but XXXX has not sent me any information pertaining to that, but yet after a recent dispute XXXX reopens the closed account and re-ages its. I have supporting document to show account was closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: NC

Complaint narrative:
There is a medical collection showing on my credit report which is inaccurate. The account in question was part of workers comp. They account was paid in full but yet Experian reports the account as an open medial collection. There is obviously and error. I have supporting documentation to support showing account paid reimbursed by workers comp.

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 2017-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
While looking at my history, I noticed I was charged XXXX on XXXX/XXXX/XXXX for a Repayment Fee. I have never heard of such a thing. I believe this to be an illegal fee, snuck into my loans that I 've been paying interest on. I believe Navient owes me back interest as well as this fee. 

Further more, I have been charged disbursement fees, which I also have n't heard of. They were : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I question the legality and validity of these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I found out in XXXX that Navient was no longer servicing my FAFSA and I was wondering why. I called them and they told me my loan was in default, and they were not handling it. I had gone back to school in XXXX to get an XXXX XXXX XXXX and I am 5 classes short of completing my degree and they cancelled my loan. My loan was supposed to be in deferment while i was enrolled. 

I tried to get a Perkins loan and I filled out the promissory note on my phone and when I tried to submit it, my phone crashed. It got wiped. I was locked out of the phone until it auto-formatted itself. 

I received a follow-up letter from lending ccompany asking me to finish form at inoperable weblink. I took the letter to XXXX U to the Burser 's and the office cleared my loan. They photocopied the letter i received instructing me to visit a broken website. The lender is also a collection service. When you visit the site you cant even see your promissory note. SHADY! 

I 'm angry that Navient serviced me a gimpy loan. I need an EDUCATION loan. You ca n't quit in the third quarter! 
I got a NASA Space grant in XXXX! Why on earth would they not want me working at a high-paying technical job I earned with MY BRAINS? 

I have a print of my Navient loan. Ill get you account info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company is called Portfolio Recovery and they keeps on calling me, I have never done business with this company, I have talked to them many times and they keep on asking for other people names and I tell them that this is not me, but they keep on call, they will call from other phone numbers as I am reporting and placing the complaints and the company names is the same as Portfolio Recovery, this company has been reported as scammers, please have them stop calling me, they will not respect my wishes and the Federal No Call List. 

Thank you for all your help and support with the issue and matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
I called to setup payment and during the process I was asked few questions about address, card information and phone number. In addition to that the rep started asking for current employer and other details which I was not comfortable to answer. I declined it, and I told him I wonder why you need all other information and is it a standard practice. I was told yes, and I asked can you please share your compliance / data collection policy for my reference. The rep immediately told me he will transfer to someone in the compliance department. I asked for the same and expressed stating that it is not required to ask these questions. She told me immediately that you wanted a " free service '' sir and so you do not want to give information. This was an accusation and told her we changed our homes and somehow it bill got slipped off. This is the reason why I called to pay it off and i am glad you have called to resolve this. She continued to act rude and make statements which I never experienced before. This is unacceptable for any consumer to get treated like this. It is a simple question and she could have answered. Now, I would like to see their data collection policy which she declined to share. Please bar these types of companies. Her name 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 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I submitted a package to Navy Federal Credit Union who has the mortgage on my property back in XXXX 2017. The property is owned by myself and my mother who is XXXX. Each time we contact them to inquire able the status we get a email stating they are missing a document. We respond the same day with the document and then a week later they say they did not receive that document and another document. I am victim of identity thief so I am vary leery of keep submitting my social number. These are the documents the keep misplacing. My payments at this point is 3 months behind and I began this process when they were one month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: TN

Complaint narrative:
In XX/XX/XXXX I paid off a collection in full to rent recovery solutions acct # XXXX** and I have proof of receipt. I was told by the collection agency that this collection would be removed / updated as soon as this debt is paid off in full. As of XX/XX/XXXX the debt was removed and then later placed on my credit report again, I disputed the item again and it was removed on XX/XX/XXXX. I have proof of both removals. I was not notified in writing within 5 days of placing this debt back on my credit report. This is a violation of FCRA. As of XX/XX/XXXX I pulled my Equifax, XXXX credit report and I saw that this account was still reporting as a negative item on my correct report and is affecting my credit worthiness. This account was permanently removed from XXXX, so I contacted the collection agency and I was told that they stop reporting this paid in full debt to credit bureau as of XX/XX/XXXXand that I needed to contact each credit bureau that it was being reported to. so I contact each bureau that 's its reporting on in writing and I received a letter from Equifax stating this information has been verified and XXXX just sent out a credit report showing remained. This item could n't have been verified because agency stated that they stop reporting this item back inXX/XX/XXXX and it was already removed from XXXX .I am asking that this account be deleted permanently asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.

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 2017-10-05 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: Colony Brands, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I received a call from " XXXX XXXX XXXX '' about a derogatory account with XXXX XXXX totaling {$1100.00}. This account used my social security number and my maiden name, which I have not used in 7.5 years. I informed them this was not my account and I was not aware of it before that phone call. As instructed, I sent an email to dispute the said account. I did not receive any feedback from this process. I called the company again and sent the same email again on XX/XX/XXXX. I still did not receive any feedback from this dispute process. This account continued to reflect negatively on my credit report, and has dropped my score approximately 100 points, despite being a disputed account. On XX/XX/XXXX. I contacted XXXX XXXX XXXX and XXXX XXXX about said account. I was met with many rude people at XXXX XXXX. When asking about my account I was met with XXXX as I did not know the address or account number to an account that was not even mine. I stayed on the phone with an associate for over an hour, and was then disconnected by no means of my own. During this time I discovered the account was created in XX/XX/XXXX, when I was XXXX years old. I never placed these orders and never received any of the products in question. I am upset because the level of customer service I have experienced was atrocious, and because despite disputing the account, it has continued to wreak havoc on my credit score. XXXX XXXX is currently sending me a " fraud packet '' after three months of disputing the account.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-05 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: NJ

Complaint narrative:
XXXX XXXX has not responded to requests to correct or replace monies from cashiers checks issued by banks they were assignees heridators or banks they have bought out : XXXX XXXX and XXXX XXXX XXXX I have 6 certificates of deposit which automaticAlly renew if not closed I have the passbooks several which. We 're held by my mother on bhalf of myself and it children in addition they have also refused to pay the certified checks issued by them or the banks they inheridited

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RAB, INC.
State: FL

Complaint narrative:
A company I represented as XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has been administratively disolved. 

XXXX XXXX - RAB, Inc. - P : ( XXXX ) XXXX - F : ( XXXX ) XXXX - is attempting to collect a debt XXXX had with a company, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has made several threatening phone calls and emails, although I had already informed him that XXXX has been disolved. 

On Tuesday, XXXX XXXX I answered another threatening phone call from him where he was very pressuring and abusive. I ended the harassing call when he started using profanity. Specifically, " XXXX this, you 're getting XXXX. '' That is when I hung up. 

I simply want the harassing emails and phone calls to stop. The fact is, I had no personal business with XXXX. The company that did, XXXX, is no longer in existence. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
The company called XXXX XXXX XXXX contacted me about nonexistent debt and wanted me to provide my social security number and other personal information. They told me that my debt was for a doctors appointment on XXXX/XXXX/XXXX. I called my doctor and they said I had no debt and nothing was ever sent to collections. The phone number for XXXX XXXX XXXXC is 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 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX time, I received a phone call from XXXX on my cell phone. The automated message indicated that they have attempted several times to contact me regarding my credit card account, and they have exhausted options in order to reach me on how XXXX XXXX can help me lower my credit card interest rate. The automated message only indicated it was from " XXXX XXXX '' and was deceptive to make me believe something was wrong with my credit card account. I hung up and called the XXXX number back, and it was from XXXX XXXX XXXX XXXX XXXX. I attempted to bypass the automated options, in order to talk to a customer service representative, as I was concerned I may have a credit card opened unknown to me. I could not bypass the automated options, and instead conducted a XXXX search on XXXX XXXX XXXX XXXX XXXX XXXX and determined this was a CITI Credit Card Product. I conducted CITI directly at XXXX at XXXX XXXX XXXX XXXX time to complain about the unsolicited and deceptive automated message with the customer representative. The customer representative took my complaint and apologized. I wanted to share my complaint, as the automated message that called me originally was very deceptive at making me feel like I had an account issue, rather than marketing it as an option for lowering your credit card rate. In addition, I do not own or have a XXXX XXXX XXXX XXXX XXXX in my possession, nor have I ever had XXXX issued to me by Citi. I feel this was an unsolicited marketing activity, that should not have been provided to me since I am on the DO NOT CALL LIST. 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 2017-10-05 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: IL

Complaint narrative:
I paid off two ( 2 ) credit cards two months ago. XXXX has the correct information but Equifax still has old information even though I sent them the updated confirmation. This inaccurate information is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX  XXXX, ny XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX XXXX, new York XXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX 2XXXX XXXX  XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.

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 2017-10-05 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: OH

Complaint narrative:
XXXX XXXX sent me a letter letting me know that have made a business decision to forgive my debt and to let the consumer reporting agencies to remove the negative item off my credit report. I 've sent the letter to Experian on XXXX/XXXX/XXXX they have responded with the account was updated Not 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