vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been paying on this loan for 2 years until I could no longer afford to do so. Interested continued to rise and I could no longer afford to make payments on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: Penn Credit Corporation
State: MS

Complaint narrative:
Company continues to report this account which is not mine on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: CA

Complaint narrative:
As an XXXX  I am trying to get my loans forgiven, as well as trying to buy a house for me and my XXXX kids. I have been trying to get things in order with Navient for almost a year now. Every time my financial advisor ( who has third party authorization and full access to all of my accounts ) calls, Navient says that they do not have authorization. I have had to call on multiple occasions and tell Navient to check their files/ notes to see that they do have authorization. On XX/XX/XXXX I had made it very clear verbally that XXXX XXXX ( financial advisor ) has PERMANENT authorization.

Now, to the constant incorrect information that I myself and my financial advisor keeps getting ... On XX/XX/XXXX I spoke on the phone to first XXXX then XXXX, then XXXX, then XXXX was finally able to give me some information on two loans in particular. I got a letter from XXXX XXXX ( collection agency ) saying that they aquired two of my loans from Navient. Loan # 10 originally being {$9000.00} and loan # 11 originally being {$600.00} ( which was paid off by my mother years ago ). On this day, I had also set up automatic payments in the amount of {$250.00} FOR ALL OF MY LOANS with Navient. When I got the letter confirming the payment arrangement, it said that my monthly payment was {$750.00}, so I had to call Navient in regards to that as well.

Fast forward to XX/XX/XXXX, Navient has sent loans # 10 and # 11 to yet another collection agency and this company is now saying that I owe {$21000.00} for these two loans! I had already set up payment and have been paying every month ( even had wages garnished for 5 months ) with the original collection agency.

Long story story short, I am EXTREMELY frustrated by how Navient keeps treating me and my financial advisor, and I am starting to believe they are trying to cheat me out of my money. They can never give me correct information, loans that I have been paying on keep getting sent to collection agencies, and it is continually messing up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: TX

Complaint narrative:
At the beginning of the year myself and my wife received a copy of our credit reports and we noticed that there are many variations of our names and addresses that are unknown to us, including places of employment. So we deiced to update our personal information with the credit bureaus. 
On XX/XX/XXXX and XX/XX/XXXX we uploaded our up to date personal information including our places of work to Experian credit report upload website, we included notarized proof of our names, addresses and social security number. few weeks later we received copies of our credit reports from Experian and we noticed that they did not delete the inaccurate and old personal information, they just add the new information we send them. So, we did send the information back again on XX/XX/XXXX but this time by certified mail, and as the first time we send them proof NOTARICED of our identity, address and social security card, and once again, our information was not corrected, if they were ignoring the information we were sending them. On XX/XX/XXXXI call Experian to ask for an explanation why the information was not removed if we did send them notarized proof two times?

The answer I got from the agent was, that they will not remove or update my personal information unless a creditor or collection agency inform otherwise. I even argued that I am the only person with all original documents probing my identity, and as an example I ask the agent that if I have my birth certificate with my name written on my hand and my neighbor on the phone telling them a random  name of mine, which party they are going to believed? ... agent .. '' dont take it personal but, your neighbor.. 
Please help me to update my information, what Experian is doing is illegal our information has to be accurate, our names have to be 100 % accurate and all addresses most be removed, they are not deliverable to me or my wife by the US Post office, and they are not reportable as per the FCRA, since they are inaccurate.

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 2018-04-13 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: FL

Complaint narrative:
They spying on me, inventing information about me and selling it, they are watching me, stalking and peeking without permission and against the law of privacy protection, they spread lies and lies about me, they hurt me, my family, our future, my good name and my livelihood. 
No one gave them permission to use my name or my details

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 2018-04-13 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: AES/PHEAA
State: NC

Complaint narrative:
XXXX XXXX  provided false information in their initial response. I updated my contact information once I was notified of their reporting to the credit bureaus. I have an active US mail forwarding request in place, so any mailed correspondence truly sent would have been forwarded to my current address. I have received nothing from them. They have only contacted me through their internal mailbox system. If I had no idea that my payments were in repayment status, I would have no need to sign into their website to check for messages. I was also still enrolled in school during the alleged 90-day delinquent status and did not complete exit counseling. If I justifiably believed that my loans were not in repayment status, I would have no reason to log into my account to check for messages from them. They also have my account listed as e-billing only, so that also conflicts with their claim that they mailed me. I also previously contacted the company regarding this dispute to find out why I was not notified and billed, and they said that I must provide consent for them to contact me. So they are being completely untruthful in their response that they have attempted to contact me. They also lied by saying they reviewed documentation to support my claim, because I did not provide any documentation yet. Additionally, they are reporting to the credit bureaus that the dispute has been resolved. They are not following requirements of the FCRA with that inaccurate statement and the FDCPA with their dishonest collection attempts, and they also have not added that I disagree with their resolution after the dispute, which is another violation of the FCRA. Their practices are deceitful and unethical. I'm not satisfied with this company nor their response. I will continue to pursue my options to correct their illegal reporting and collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
To whom it may concern, I looked through my credit report earlier last month and found a few items that I felt needed to be verified. I sent Portfolio Recovery verification letters by certified mail with a signature return. The letters were received by Portfolio Recovery onXX/XX/XXXX. When I looked at my XXXX XXXX   Credit Monitoring onXX/XX/XXXXit said that Portfolio Recovery had updated XXXX. Portfolio Recovery updated XXXX onXX/XX/XXXX twice, there are two accounts. It also updated XXXX onXX/XX/XXXX twice. Can they update an unvalidated account four times like that? I thought they needed to send me the validation I requested first. XXXX XXXX reports " meets FCRA. '' That can not be true when I have disputed with all three credit bureaus as well as Portfolio Recovery and received no answer as of XX/XX/XXXX. My credit bureau disputes were received at the beginning of XX/XX/XXXXby all three and are documented with certified mail, a signature return and the USPS website with what delivery date is.

Portfolio Recovery had previously updated my credit reports on XX/XX/XXXX

I included a screenshot of the letter that I sent Portfolio Recovery and I also have dated documents ( Certified Mail with Signature Return ) for when they received my asking for validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report and noticed that Midwest Service Bureau is reporting and trying to collect on an account which they state was opened on XX/XX/XXXX, for {$400.00}. Please note that I have never entered into a contract with Midwest Service Bureau. In addtion, pursuant to Kansas Statutes,  more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account. 

On XX/XX/XXXX, I wrote to Midwest Service Bureau indicating that I disputed the alleged account and that the Statue of Limitation had run. They received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: TX

Complaint narrative:
XX/XX//2017 {$510.00} the company was trying to collect and doenspt have a license to collect

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 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MS

Complaint narrative:
This is not correct information, I gave enough notice and paid in full prior to moving out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After making several payments my interest rose to the point that my balance doubled causing a ripple effect and the payment to pay of the bal became completely unattainable.

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 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: GA

Complaint narrative:
This company First Credit Services XXXX XXXX XXXX is on my credit report. I dont know anything about this debt from this company. Where did this come from? Who are these people?? The amount they say I owe is {$800.00}. I am a victim of Identity theft. I recently froze my account with all three of the credit agencies. My social security and Identification was stole a year ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: FL

Complaint narrative:
They spying on me, inventing information about me and selling it, they are watching me, stalking and peeking without permission and against the law of privacy protection, they spread lies and lies about me, they hurt me, my family, our future, my good name and my livelihood. 
No one gave them permission to use my name or my details

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 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: SC

Complaint narrative:
In XX/XX/XXXX, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. Repaying the loan plus that already exorbitant interest would total {$2300.00}.

To date, I have paid {$3500.00} so {$1100.00} more than the amount I should have repaid. I still have 14 more payments which will result in me paying an additional {$4000.00}. It turns out I am being charged 407 % interest and not the 57.35 % advertised to me.

I demand that my account be closed and marked paid in full immediately. This company actually owes me {$1100.00} in overpaid interest as well.

I have a payment due XX/XX/XXXX. I want this resolved before that payment is deducted. I would like {$1100.00} in overpayments returned to me.

Please resolve this immediately and cease all automatic payments from my bank account. I have repeatedly attempted to resolve this with the company directly. The call center appears to not be located in the United States and 10 emails sent have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: SC

Complaint narrative:
Fraud student loan consolidation. Within the last week I have received fraud alerts from XXXX  and XXXX XXXX and this mess has cost me a loss of 24 points on my credit score. I only had one loan with EdFinancial and have been making payments even before I needed to. I had a balance of {$570.00} left and when to make my regular payment and it showed the account paid off. I called EdFinancial customer service on XX/XX/XXXX and they said my account was sent to Navient ( a company I have never heard of ) for student loan consolidation. I explained that I have never taken another loan. They said they were no longer involved and to contact XXXX. I called XXXX and they said the account was new but they could see it was to consolidate with other student loans I have. They sent me to the fraud department and I asked for them to provide proof I took out a loan and they literally had no paperwork on any loan. They said they would get back to me on a few occasions and never did. I am being bounced back and forth. At this time I do not know where my loan is so I can make a payment as both companies have an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: Central States Recovery, Inc.
State: KS

Complaint narrative:
OnXX/XX/XXXX I pulled my credit report and noticed that Central States is reporting and trying to collect on several accounts which they state were opened on various dates, to-wit : XX/XX/XXXX for {$670.00} ; XX/XX/XXXX for {$500.00} ; XX/XX/XXXX, for {$480.00} ;XX/XX/XXXX, for {$610.00} ;XX/XX/XXXX for {$370.00} ; XX/XX/XXXX, for {$250.00} ; XX/XX/XXXXfor {$250.00} ; XX/XX/XXXX, for {$82.00} ;XX/XX/XXXX for {$82.00} ;XX/XX/XXXX, for {$87.00} XX/XX/XXXX for {$670.00} ; and,XX/XX/XXXX, for {$1300.00}.

Please note that I have never entered into a contract with Central States. In addition, pursuant to Kansas Statutes, more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account.

On XX/XX/XXXX, I wrote to Central States indicating that I disputed the alleged accounts and that the Statue of Limitation had run. They received my letters on XX/XX/XXXX, at XXXX XXXX. Today,XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. Any other name variations or any other addresses on my account should be removed. Experian will not remove these address from my credit profile. I have only bee associated with one other address which is XXXX XXXX XXXX XXXX MD XXXX. Leaving these other random addresses on my account is leaving my credit open to identify theft.

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 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I contacted XXXX XXXX for a debt validation letter, the company refused saying they did not have to provide a letter, sent off letter requesting to validate debt but this company provides the wrong address. Company is refusing to validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good Afternoon, I am trying to get some assistance from the consumer finance department in this matter, I have been trying to get some help in clearing my credit score, as you can see i have a lot of hard inquiry, I have 8 inquiries in one day that is not possible. I called and customer service would not help and take care of the negative inquiries reporting to your credit report. I am hope your department will help me. Thank You for taking your time in reviewing this email, may you have a wonderful and blessed day. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 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