vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-23 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: Innovis
State: GA

Complaint narrative:
This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: ID Analytics, Inc.
State: GA

Complaint narrative:
This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. 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 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Judgement was placed from XXXX XXXX XXXX  for a proposed loan that exceeded the federal time limit. I requested proof and nothing was provided. Currently judgement is on my credit damaging 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 non-monetary relief
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Performant Financial Corporation
State: CA

Complaint narrative:
This company called from phone number XXXX. They called my girlfriend, my girlfriend 's Dad, my girlfriend 's Mom, my Dad and my girlfriend 's office so far ( and possibly more that I do not know about ). They are harassing everyone that I know with phone calls asking for my personal information. I have not received a letter with any information about this " debt '' and there is nothing listed on my credit 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 explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC
State: NV

Complaint narrative:
I took out a loan with XXXX XXXX XXXX and had an issue with the payment process and interest/fees. I am having issues paying it back on the schedule they requested. I've made monthly payments, but they have not agreed to any arrangement for me that will work for my pay schedule. I have paid hundreds of dollars in interest and they've never contacted me via phone about a repayment plan, but just sent a letter. They're saying {$230.00} is due on my account when the loan was less last month and I made {$100.00} of a payment. I can not afford any late fees or interest on this loan and can only manage to pay it off if there's no other fees other than the fees they've charged me, which have been over {$400.00} thus far. This was a predatory loan and their business practices have harmed me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX/XXXX I submitted certified letters to all 3 credit bureaus ( Equifax, XXXX, XXXX ). I disputed numerous inaccurate trade lines on my account. I requested that they verify all items and provide me with documentation. After the first attempt no changes were made. I then submitted another certified letter to them again on XX/XX/XXXX. This letter was again in dispute of inaccurate reported tradelines. I requested they be verified and original documentation be provided to me. This request again was not completed. I then sent them a third request via certified mail on XX/XX/XXXX restating the purpose of the letter was to manually investigate all items listed. They responded once again that they are making no changes and that all information was verified. Yet again my request for manual verification was completely ignored. I sent them one final 4th request on XX/XX/XXXX again by certified mail, restating for the 4th the items that needed to be verified or removed along with the the method, the name, and of course the original contracts that were signed with my signature. This final attempt was again ignored and not corrected. I have a copy of all certified and notarized letters, along with receipts of the sent letters. This needs to be completed and fixed and all items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: FL

Complaint narrative:
On XXXX/XXXX I submitted certified letters to all 3 credit bureaus ( XXXX, XXXX, Experian ). I disputed numerous inaccurate trade lines on my account. I requested that they verify all items and provide me with documentation. After the first attempt no changes were made. I then submitted another certified letter to them again on XX/XX/XXXX. This letter was again in dispute of inaccurate reported tradelines. I requested they be verified and original documentation be provided to me. This request again was not completed. I then sent them a third request via certified mail on XX/XX/XXXX restating the purpose of the letter was to manually investigate all items listed. They responded once again that they are making no changes and that all information was verified. Yet again my request for manual verification was completely ignored. I sent them one final 4th request on XX/XX/XXXX again by certified mail, restating for the 4th the items that needed to be verified or removed along with the the method, the name, and of course the original contracts that were signed with my signature. This final attempt was again ignored and not corrected. I have a copy of all certified and notarized letters, along with receipts of the sent letters. This needs to be completed and fixed and all items 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 2019-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
We filed a complaint with you in the past and you threw us under the bus. Now I see you have sued TCF bank and won. You helped numerous people with similar experiences with Tcf bank. This is our newest complaint as we are victims of a predatory loan and have been charged over XXXX in late fees. We alerted you many years ago when the housing crisis first broke. Tcf uses late fees to their advantage when we Apply for a new long with another institution try to move our loan to another institution. Tcf call the bank BMO only to say we were 30 day late which was a lie it stopped us from getting refinanced and we were told they sent our payment to the wrong department and only to remove it later They report it to the creditors to stop us from getting a loan then remove it once our loan don't go through with the other institutions. Our loan is not serviceable and tcf is holding us hostage by adding on late fees that cant be proven.we never heard back please update us on what you found out and what action you took XXXX and XXXX XXXX filed against TCFBank never heard back. We do believe that we have been distriminate against Because of our race please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: KY

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX   XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX had a lawsuit in XX/XX/XXXX. 
The for-profit company that operates XXXX XXXX Colleges in XXXX, XXXX and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} million in loans for XXXX former XXXX students.Kentucky Attorney General XXXX XXXX and other attorneys general Monday announced a settlement in which XXXX XXXX XXXX will forgive {$100.00} million in outstanding loan debt held by more than XXXX former students. 

The state and federal settlement with one of the nation 's largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} billion. 

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness. 

*Indiana Attorney General XXXX XXXX XXXX the deal will provide {$5.00} million in loan forgiveness to XXXX XXXX students of XXXX XXXX College and XXXX XXXX XXXX, i also did not receive my {$1300.00}. Due to this sallie mae closed my accounts but did not remove them. I would like them removed also

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 2019-03-23 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: KY

Complaint narrative:
XXXX  XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX  XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXXXX/XX/XXXX {$4200.00} XXXX   XXXX XX/XX/XXXX {$4200.00} XXXX  XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX   XX/XX/XXXX {$1300.00} XXXX  XXXX XX/XX/XXXX {$870.00} XXXX  XXXX had a lawsuit in XXXX.

The for-profit company that operates XXXX  XXXX Colleges in XXXX, XXXX  and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} million in loans for 3,389 former Kentucky students.Kentucky Attorney General XXXX  XXXX and other attorneys general Monday announced a settlement in which XXXX   XXXX XXXX. will forgive {$100.00} million in outstanding loan debt held by more than 80,000 former students.

The state and federal settlement with one of the nation 's largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} billion.

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness.

*Indiana Attorney General XXXX XXXX said the deal will provide {$5.00} million in loan forgiveness to 5,530 Indiana students of XXXX  XXXX College and XXXX  XXXX   XXXX, i also did not receive my {$1300.00}. Due to this XXXX  XXXX  closed my accounts but did not remove them. I would like them removed also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
I have been a customer with credit central for about 2 years and has always been treated with respect. However, I have SEVERAL issues with this company.. the employees working for this company currently are extremely rude, threatening and unprofessional. The companys turnover rate is ridiculous. Every time I talk to someone they are new. They make threats if you dont come in when they say you must come in even thought the contract states that if you pay past your due date you will have a late fee charge. They claim thay you absolutely can not pay late and will not accept late payments. Why is there a late fee if they can not accept late payments? Also, I was told around XX/XX/XXXX that my loan eliable for a increase and was told it would increase my payments by XXXX bucks a month. I agreed but what I was not told is that my loan started all over again! Very misleading and deceptive! This company needs to be stopped!!! Just treat people right which is not something that this company doing with me. I am ready to be done with them. 
XXXX, TN location XXXX, TN location

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC
State: MN

Complaint narrative:
Tried to cash my insurance claim checks at XXXX XXXX XXXX and was denied by Certegy. Called Certegy, no reason given so I ordered my Certegy report to see if I had derogatory information on it. Received the report in the mail and there was nothing derogatory. Called Certegy, they had no explanation. I told them I have another check same type, I am going to XXXX, they said they could not find my transactions and to call in if I get denied again. It happened again, I called them and no valid explanation or reason given. This is another sham company that does not know what they are doing. I doubt they have any sophisticated tools or technological knowledge so they just deny checks based on nothing and give no reasoning to the consumers that get denied. This is unfair practice. A reason, score and/or negative information has to be on a report for them to deny, Certegy bases their decisions on propitiatory nothing as they dont have a clue what they are doing or talking about. Nothing will come from this complaint either as usual. It just feels good to vent. Search Certegy complaint and there are thousands more complaint of people getting denied for no reason. Hello Certegy, dont pawn this off on to XXXX either because XXXX makes {$8.00} a check to cash. Close shop you crooks at Certegy.

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 2019-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
Credit Acceptance XX/XX/18. The account was closed and paid off by my insurance company and gap insurance but still says i owe a balance

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 2019-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
BMO Harris will return my check and charge {$36.00} on first attempt and then in the second attempt they might pay it and charge another {$36.00}. This happens while balance is the same so they are intentionally siphoning {$36.00} two times. If they were going to pay it then they should have on the first attempt. Another strike against the worlds third biggest crooks after insurance companies and casinos ... BANKS! XXXX is taking the banking industry over, take a look at the lines at BMO Harris vs XXXX XXXX XXXX. 

Also, a BMO representative inform me that a third party actually pays the check! So BMO has the check paid and they still charge customers {$36.00}, {$72.00} and so on. They can do it because nobody governs them NOBODY! Banks are above the law and they know it. Consumer Financial Protecting Banks CFPB is more like it ...

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 2019-03-23 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: PA

Complaint narrative:
I have contacted Navient numerous times to negotiate a lower payment. I just neeed a lower payment for a short amount of time and they did not care. I offered to pay {$600.00} of an originally $ XXXX/mo student loan payment and they would not budge. I called my other loan company ( XXXX ) and they lowered my payment by 75 % a month for a year to help me get back on my feet. Navient is nothing but a predatory loan company that does not care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: NCB Management Services Inc.
State: KY

Complaint narrative:
Nbc management service for XXXX XXXX XXXX. XX/XX/16 {$6900.00}. I had taken a scam check to my bank XXXX XXXX. I was told it was a scam. Also i currently have a bank account with them currently. So thete is some type of mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: KY

Complaint narrative:
Enhanced recovery for XXXX. 
XX/XX/16 {$1500.00}. I was XXXX when this was opened so it has to be identified theft. Ive never been a XXXX customer. Every.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: KY

Complaint narrative:
Online information service for XXXX XXXX. 
XX/XX/14 {$730.00} I was never given a notice i could dispute and also this was in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo dealer services is violating the remediation stipulations with CFPB File No. XXXX. Wells Fargo is continuing to commit fraud on the customers in XX/XX/XXXX. Wells Fargo dealer services mailed me a check on XX/XX/XXXX for {$110.00}, as refund for applying unnecessary CPI insurance on my auto loan in XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I called Wells Fargo to inquire in detail how the {$110.00} was calculated. XXXX from The office of the president conducted a 10 day investigation for remediation case # XXXX. The results of the remediation investigation revealed Wells Fargo actually applied 4 ( FOUR ) unnecessary CPI policies on my auto loan from XXXX, with a falsified explanation stating : POLICY1 : We received a cancellation notice from XXXX XXXX, POLICY 3 : We received an expiration notice from XXXX, POLICY 4 : We Did Not receive proof of insurance. XX/XX/XXXX I reopened the case with the office of the president for a second remediation with XXXX case # XXXX. I requested Wells Fargo Provide me with the documentation from XXXX XXXX & XXXX XXXX, stating my insurance was cancelled and expired. XXXX informed me those documents couldnt be provided to me, and that I had to obtain them from XXXX XXXX & XXXX XXXX. I contacted XXXX XXXX & XXXX, and received letters of experience for the dates XXXX provided in policy 1 & policy 4. XXXX XXXX & XXXX XXXX never informed Wells Fargo of the falsified cancellation or expired policies, I was covered durning those falsified dates. Wells Fargo also enclosed copies of notices sent to me via U.S.P.S regarding CPI policies fraudently placed on my account. Wells Fargo by this admission, committed mail fraud. Wells Fargo also violated the Truth In Lending Act and violated the FCRA. XXXX & XXXX at Wells Fargo are aiding the CPI fraud committed against consumers. I demand remittances of every payment I made to Wells Fargo for auto loan XXXX for violating the truth in lending act as required by law. I demand the entire fraudulent account be removed from my credit report, and NOT charged off to the IRS on a XXXX for violating the FCRA. I do not owe Wells Fargo anything for this fraudulent loan.This loan was deceptive from the beginning to the end. I demand Wells Fargo compensate me for committing mail fraud as required by law.

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 monetary relief
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have 4 hard inquiries on my Equifax credit report called XXXX/XXXX. I never had a relation with this lender and don't have any accounts with them. I submitted a dispute with Equifax in order to have them investigate the information based on the fact that it doesn't belong to me but Equifax refused to do their job and basically cancelled my dispute. My dispute number is XXXX and I filed my dispute on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed the inaccurate bankruptcy in my credit report. Recently I dispute the bankruptcy with XXXX XXXX and they have removed the item from my credit file. XXXX XXXX suggested I notify all 3 credit bureaus to remove the bankruptcy. This is your notification to remove the inaccurate bankruptcy

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