vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HONOR FINANCE, LLC
State: IL

Complaint narrative:
XXXX  purchase Car which Honor Finance Issued Loan..Car Lot Sold A  Lemon  Car had Varies Issues   XXXX   months Into The Loan. Which Most Time Car Payments was Use to repair Car To keep a Job and Pay Car Note..car started Having Transmission Issues notified Lender I needed repairs done note could n't get paid Costly Repairs.Voluntary surrendered The car.   honor Fiance promise to put Late payments on back in of The  Loans..have  XXXX  l ates on My  XXXX ,  XXXX    XXXX    Reports  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In  XXXX , I fell behind on both my signature line of credit and my vehicle loans with Navy Federal Credit Union.     They not only froze my account but also withdrew the balance without my approval

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Gold Key Credit , Inc. is attempting to collect debts already discharged i n Bankruptcy i n 2013   . The Debt collection company fraudulently changed the dates of the debts and have reported the debts as outstanding to the credit bureaus  (    XXXX   XXXX   XXXX   ) as current accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 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: CA

Complaint narrative:
I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: GA

Complaint narrative:
I have contacted all the   XXXX   credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know Equifax and and   XXXX   has been in the news for some deceitful credit score numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: CA

Complaint narrative:
I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX      XXXX   XXXX   XXXX   -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: CA

Complaint narrative:
I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX  -  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 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: AZ

Complaint narrative:
There is account appear on my report without my understanding.    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Account #  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 2017-05-03 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: AZ

Complaint narrative:
There is account appear on my report without my understanding.    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Account #  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 2017-05-03 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: CA

Complaint narrative:
I demand these account must be verified or removed immediately  XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX     XXXX   XXXX   XXXX   Account #  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 2017-05-03 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: CA

Complaint narrative:
I demand these account must be verified or removed immediately  XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX     XXXX   XXXX   XXXX   Account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: CA

Complaint narrative:
I demand these account must be verified or removed immediately  XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX     XXXX   XXXX   XXXX   Account #  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 non-monetary relief
Consumer complaint received 2017-05-03 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: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
A couple of days ago,  XXXX   XXXX    XXXX  , I go to check my credit report and was surprised to see that I had  XXXX  duplicate accounts in collections from the same company,  XXXX   XXXX   XXXX , for the same exact amount from the same original creditor,  XXXX . I was livid because I felt as though they were being deceptive with their reporting and wanted to try to get me to pay twice. I got their number online and called them in hopes that they would help clear this matter up. The person that I spoke to was no help. He said that it appeared to be a duplicate but there was nothing he could do to help at that time. If I have to, I 'll consult with an attorney about what steps can be taken to get this rectified but I would like to get this taken care of on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: TX

Complaint narrative:
There are many inquiries appear on my report without my permission :  XXXX  -  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: TX

Complaint narrative:
There are many inquiries appear on my report without my permission :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   -  XXXX / XXXX /  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: MS

Complaint narrative:
I have an account with  ACS Education Service.  I called and asked for the paperwork to do an income based repayment plan. I stated that I want to start paying the loan but I could n't afford the  XXXX  dollars monthly payment. I also asked about the deferment since by the definition on their website, I fall under this category. The individual was rude and told me that I 'm not on  XXXX   XXXX . I asked her to explain since this was and has. been my status for the past 10 years. She stated that I did n't qualify but of course she could put the loan in forbearance ( of course, because it accrues more interest and they always give this option instead of trying to work with me to actually get the payments to an affordable amount ). She stated she could send me the paperwork, fill it out and send it back to them. I did this, then I was told o, your application was n't accepted because that 's the wrong application. But this is the application that you sent me. I was very specific in I wanted to apply for an income based repayment plan. Then I was told to redo the paperwork. I did this. This time I was told that my tax return was illegible. How is the application legible ( which was handwritten ) but the tax return, printed directly from the tax servicing company illegible. Then AGAIN, it was reported to my credit report that I 'm past due. I keep going in circles with this company and I will reconsolidate with another company. It is ridiculous that this is the second complaint I 've had to make about this company. When I call into customer service, the agents are so rude and they either want you to pay or put it in a forbearance. They are absolutely no help. My last complaint, the agents kept telling me to call the  Dept of Education, k nowing fully that they have nothing to do with a pre-existing loan. I 've faxed my application to this company several times and as much as I follow the directions given on the paperwork and by the agent, I still get a letter saying my paperwork is denied. The only time I 've gotten anyone that actually wanted to help and took the time was individuals who called after I made the complaint. EVERY call to customer service has been rushed, rude, given misinformation/false information and made no progress in resolution to pay my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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 complain is about my  credit score  on  XXXX   XXXX    XXXX   my  credit score  decrease  XXXX  pts from  XXXX  to  XXXX  then on  XXXX   XXXX  it decrease  XXXX  points and  XXXX  points from  XXXX  to  XXXX  .In that time frame the only thing happen is i paid a loan of  XXXX   (  unify financial credit union ) in full  2  yrs before my term expire and during that month i do n't have a late payment my credit usage is 9 % and  XXXX  deliquent account was deleted on my report.All this positive things i did why did my  credit score  went down from  XXXX  to  XXXX .i called experian and they do n't have any  explanation.Now Honestly to me credit score  is a joke it was made to help all Banks, lending company and Credit card com. makes more money .lender will deny you even if your score is above  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 2017-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: OH

Complaint narrative:
There are times when I paid late. And of course a {$20.00} late fee is charged. The problem is that when I make the car payment and the additional {$20.00} late fee they dont use the extra {$20.00} I send to cover the late charge. Instead they apply the extra {$20.00} to the next bill reducing the next payment and carrying over the {$20.00} late fee. For example my car payment is {$350.00} when I send {$370.00} they pay the car payment and reduce the next payment to {$330.00}. And then carry over the {$20.00} late fee. The problem is that they start reporting the account as 30 days late to the credit bureau. And they done this multiple times resulting in additional 30 day delinquent marks on my credit. Most recently  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom Mortgage has harassed us for months about non required flood insurance. Our property was rerated and THEY sent us a letter stating so yet they have no record. THEY called the company who verifies flood information and sent us the letter included. Thought this was a done issue, but Freedom has no clue what they doing. Tired of the threats of putting forced coverage which would be against FEMA regulation.

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 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
NCC BUSINESS SERVICES r eports to my credit report that I owe an apartment community that is no longer in business. When I asked the representative on the phone for verification of the debt he was not willing to help resolve this matter.     I have made multiple attempts to resolve this and they are not willing to help.     To this date I have never received any type notice that I can request validation of the debt.

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 2017-05-03 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPM Chase  is report account #  XXXX  as being recently late on my credit report. This account has been transferred to another government and currently being paid, so could it get late. The all student loan accounts at CURRENT!     This has impacted m y credit score  and dropped my score  XXXX  points! Please have this removed as the date on this information is incorrect as well. This has been closed and they are changing dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I do n't have any knowledge of this debt, nor was I provided with proof of such debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: GA

Complaint narrative:
XXXX   XXXX  is report account #  XXXX  as being recently late on my credit report. This account has been transferred to another government and currently being paid, so could it get late. The all student loan accounts at CURRENT!     This has impacted my credit score and dropped my score  XXXX  points! Please have this removed as the date on this information is incorrect as well. This has been closed and they are changing dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
We voluntarily surrerendered our   XXXX     XXXX   XXXX   in  XXXX  of 2016.Paid money to get it back in  XXXX  2016.the reason we surrender was because of very poor mecanical condition.within 7 months we invested {$13000.00} in repairs and it still needs {$4000.00} in repairs. My fiance and i are on  XXXX  (   XXXX   XXXX    ) . Paying out these kind of repair bills has set us behind on both vehicle loans.On  XXXX   XXXX  they reported the loan closed and status is collection/write off and we still have possesion of both vehicles .They have made no attempt to contact us by phone or mail and have never attempted to reposess either vehicles at any time. In the past we have follow all pay arrangements and they refuse to send monthly statements by mail or email and they refuse to provide written documentation of the arrangements.The company is credit acceptance .They have has several class action law suits filed against them. And some were won.

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 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
BankAmericard Travel Rewards Visa Signature  card - False advertising, bait and switch rewards program In early  XXXX  of  2017   , before my oversea trip I called Bank Of America about this card 's rewards redemption program. The program specifies that the reward points can be redeemed as statement credit to offset the travel expenses charged to this card, so i asked the BOA agent ( on the phone ) what type of travel expense would be qualified and I was told, " any type of travel expense qualifies. '' Therefore, I advised him that I would be traveling overseas from  XXXX   XXXX  -  XXXX   XXXX  of this year and would be using this credit card there. While I was traveling overseas I purchased airline tickets using this credit card on   XXXX   ( an travel agency ) for about {$450.00}. After I came back from my vacation, on  XXXX   XXXX , I called BOA to redeem my reward points to offset this travel expense, but the agent told me he had trouble redeeming my points against my travel expense because there was some sort of coding error in my  XXXX  charge. He advised me to go ahead and pay off my travel expense first and then he will correct the posting code and redeem my reward points as statement credit later for me. But one week later I still do n't see the statement credit so I called BOA again on  XXXX   XXXX , and at first the agent said that I should be able to redeem my points against any travel expense but when she realized that the charge had coding error, she said she could n't do anything about it, that I had to contact the merchant ( mind you, in foreign country ) to correct the coding. I asked to speak to her supervisor and she said " it does n't matter, supervisor would n't be able to help in this case anyway. '' I ca n't believe her response! I feel so betrayed by BOA, because before the trip I specifically asked them what type of travel expense is eligible and was told " any and all travel expense are eligible. '' And because of this response I decided to take this credit card on my trip and not any other brands of credit cards. I could have brought and used my  XXXX   XXXX  or  XXXX  or  XXXX  card for that purchase if BOA did n't lie to me!! For a financial service company of this size to be so irresponsible or so incompetent with their business practice, I 'm beyond disbelief and disappointed. I feel hurt and deeply betrayed for believing and trusting this company in the first place.

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