vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
This complaint is based upon not receiving a response from Allstate Credit Bureau after sending a letter requesting information from them. On XX/XX/XXXX, I mailed a letter asking for validation of the debt in which they are advising that I owe an amount of {$200.00} on account number XXXX. As of today XX/XX/XXXX, Allstate Credit Bureau has failed to respond to my request of this information. I am providing a copy of the letter that was mailed to them, in addition to the certified mail receipt and proof of delivery. At this time, I am requesting immediate removal of this account from the credit bureaus of which this information is being reported. I look forward to your time and attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MS

Complaint narrative:
I been in this mobile home for over 17years that cost {$20000.00} in 2000.i have paid {$80000.00} to date. Vanderbilt mortgage says I still owe a 111 payments of XXXX. I am on a fixed imcome dew to my health and I am struggling to make payments. I feel that I have paid more than enough for this mobile home. I feel i have been taken advantage of. I wasn't aware of the interest i would be paying.

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 2018-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am reaching out because I was deceived a few years ago by SallieMae ( now navient ). 

I graduated college with these extreme private loans that their scamming company pushed me to get at XXXX XXXX XXXX not knowing what this would do to my credit/payment down the road. 

I was making XXXX a year about 10 years ago when I had to start paying over {$1000.00} a month for these loans ... They neer allowed me to get on a payment plan I was forced to continuously default and/or go into forbearance which is now impacting my ability to buy a house, get credit cards, rent a house, basically anything impacting my credit. 

My interest rates are almost 15 % on one of my loans and continues to just rake in money on Navients end. I have been paying for years and haven't seen a dent taken on my loans and I feel like that something is just wrong. I've called numerous times and they hang up on me and sometimes just beat around the bush. I can't live a normal life dealing with over {$100000.00} IN DEBT that just keeps getting higher and higher no matter how much I'm desperately trying to pay each month. 

Please help me, I can't even move to a different lender because of my terrible credit, I need to get away from these people!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have already attempted to have XXXX XXXX XXXX XXXX XXXX ( " MCM  '' ) issue a statement to the three credit reporting agencies regarding a debt it is trying to collect in my name for an address in a state that I have never resided in. I believe that the debt MCM is trying to collect is based on inaccurate and/or unverifiable information, and as such a statement should be issued to the three credit reporting agencies outlining the same. 

On XX/XX/XXXX, I received a collection notice from MCM   instructing me that I needed to pay a debt owed to MCM in the amount of {$2700.00}. Since then I have been sending to MCM correspondence disputing the veracity and credibility of the debt held by MCM. 

On XX/XX/XXXX, I was informed by MCM that after it conducted an investigation into my claim I would be held liable for debt payment to MCM. Even though I can provide evidence to refute any findings of an internal MCM investigation I am still being harassed by MCM on the basis of a debt that is based on inaccurate and/or unverifiable information. 

I feel as though I am being unfairly harassed by MCM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase closed my credit card account without warning on XX/XX/XXXX. 
I contacted them to re-open my accounts but they would not. 
When I opened the credit card account I was charged an annual membership fee of {$75.00} on XX/XX/XXXX. 
Credit card accounts should be re-instated or the full annual fee refunded of {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX Bank of America # XXXX. My income was decreased at XXXX XXXX and Social Security for no apparent reason. I talked with Bank of America about the problem. They agreed that I was unable to pay the debt and charged it off. Now it is appearing again, not to be cleared until XX/XX/XXXX. I explained to them that I was permanently XXXX and elderly, now on an extremely low income. By continuing to report this resolved debt for several years past the 7-year report period, I am continuing to be unable to rent an apartment or other necessities. This is undue hardship on top of on-going financial hardship.

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 2018-04-16 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have reach out to the department of education for Navient about the reporting on my credit card showing that i was late 90 days For XX/XX/XXXXover 10 times since my credit score has been impacted. Requested several time and even hand written a goodwill letter to the department in XX/XX/XXXXExpressing and apologize if they didnt receive my electronic paperwork in time for the repayment plan. I explain to them i suffer for migraines which is why i requested for the plan to give me time to get my healthy again to be able to work which they agree to but got blindsides with being reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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 — Other problem getting your report or credit score
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I discovered that GM Financial was not sending updates concerning my on time payments. I only discovered it after calling them to dispute a late payment reported to the three major bureaus inXX/XX/XXXX. The company ( GM ) advise that it was a company wide issue that they switch systems and that they were making errors so not to get anyone credit incorrect, they elected not to report. However, it has been 4 months since they have submitted and update. I'm working to rebuild my credit and the last then sent is a late payment over 4 months ago. My loan is new so its driving down my points daily as it looks that I no longer have the loan and after 3 payments one was late! I demanded that they send an update to the bureaus and they stated they would. I demanded that they send a letter to me advising that the task is complete. I'm yet to received this letter. Please help to resolve this issue as my family and I am looking to purchase a home and this is hurting us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 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: NY

Complaint narrative:
XX/XX/2018 sent a request to Equifax to open their files and provide me with documents who match with mu records because what they are reporting in my credit is inaccuarte and is hurting dramaticly my score and my ability to access better chances in my financial situation. 
I sent proof to Equifax with notarized letter and certified mail showing inaccurate information with accounts containing information from the same source but with different values. 
My requesting was to remove and delete those accounts brcause clearly Equifax is in violation of the FCRA posting wrong information in my credit report vs the other 2 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TransferWise Ltd
State: ME

Complaint narrative:
XX/XX/XXXX Evening XXXX XXXX Laptop received a pop-up stating to call " XXXX Support '' XXXX. 
This number stated they were authentic XXXX XXXX. They performed various things on my laptop and I was told I needed a new FIREWALL, which would cost {$440.00}. They transferred me to a company THEY suggested to have the firewall installed. They worked IN my laptop for several hours requesting address, DOB, laptop password, and of course, credit card number. Because they were working on it until late Tuesday night, they said they would call me the next day. 

XX/XX/XXXX Morning Being suspicious, I contacted my number for XXXX XXXX to confirm whether work had been completed on my laptop. The REAL XXXX XXXX said no activity was done by REAL XXXX XXXX but numerous corrupt malware had been installed. The REAL XXXX technician cleaned it all up. I have changed numerous passwords and canceled existing credit cards. I have notified all banking institutions. 

The REAL XXXX Care, who repaired all their corrupt malware, gave me a case number, in the event they must be contacted for the damage observed : XXXX XX/XX/XXXX Afternoon The charge from TRANSFERWISE of {$440.00}. was PENDING on my credit card. The CASE NUMBER is XXXX. I called the XXXX number requesting the charge be reversed but they became angry and demanded I do not call them again. 
LATER, I happen to receive a call from same scammers from number XXXX explaining they were NOT able to install the firewall and wanted to attempt it again. I actually had them repeat the statement " did NOT install it yet ''. Without letting on to their scam, I informed them I was no longer interested ( since they had not completed it ) and asked to have the charge on my credit card reversed. " No problem, we have a MONEY BACK GUARANTEE. I asked the name of their company - they said XXXX but I suspect it is fake, also. 

XX/XX/XXXX, + XXXX, XXXX XXXX sends emails requesting a PHOTO ID. Needless to say, I did not respond. They stated the transaction would be " unsuccessful '' if I did not provide photo ID ( which is what I desired ). Their last email, XX/XX/XXXX stated it was, in fact, unsuccessful and I would be refunded. 

XX/XX/XXXX The TransferWise charge is now in POSTED charges on my account ( versus the earlier PENDING ). No refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: ERC
State: CO

Complaint narrative:
In XX/XX/XXXX I purchased a mobile phone and plan with XXXX   from XXXX XXXX. This contract expired in XX/XX/XXXX. XXXX continued to bill the plan and phone. I tried several times over the next 2 months to get them to cancel the account. Each time I was told a identity code would be sent to my email address and the rep would call back in 15 min. This never happened. The last time I spoke with an XXXX rep I told them I would not pay the fraudulent amount and I considered the account closed. I was then threatened with litigation. XXXX finally terminated the account but refused to cancel the fraudulent charges. Since then this account has been passed between collection companies, each fraudulently reporting it as a delinquent account. Each also offers a significant discount if paid. This is pure extortion. The latest company jump on this band wagon is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: Spec Hoffman Auto Sales Inc.
State: NC

Complaint narrative:
On XX/XX/2018 I took my XXXX XXXX XXXX daughter to a car lot o look for a car. We told the salesman that we were going to look around. He kept asking for my information and I only gave him my name and stated I was not ready to proceed and did not want my credit ran until I had made a decision. There was a car that my daughter liked and she gave him a check to hold for earnest money deposit. She later went back and picked up the check because we found another car she liked better. This salesman contacted my daughter on XXXX and hounded her as well as somehow found out my employer and contacted them trying to reach me.I do not know how he got this information. He also made a hard inquiry on my credit without my consent. This is still showing up on my credit report after I contacted the company Hoffman Auto Sales in XXXX NC. I explained to him that I did not authorize him to pull my credit and that it was extremely unprofessional of him to contact my XXXX XXXX XXXX daughter on XXXX as well as " dig '' into my personal information to find out my employer, contacting them just to hound me about buying a car from them. I reported this to the manager of the dealership but was never giving any resolution or contacted further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, connected to XXXX XXXX XXXX, incorrectly billed me {$88.00} for a charge that was to be included in an overall procedure as agreed by XXXX XXXX XXXX. I paid in full, my portion for the overall procedure. After four attempts to resolve the issue, both verbally and in writing, one of their representatives, XXXX admitted to the error and adjusted the balance to XXXX. However, following her advising me that the matter would be corrected, XXXX XXXX XXXX XXXX erroneously sent the matter to collections.

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 2018-04-16 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: IL

Complaint narrative:
talked with bank on auto loan that was paid off as of XX/XX/2017 but the bank is saying that i still owe on the vehicle, plus showing late payments on credit reports. However i have vehicle title and letter from bank that show that the car is paid in full. I have contacted the bank and all three credit reporting agencies, and have send this proof to the the credit reporting agencies to correct this error. But they are siding with the bank and reuse to remove the negative info. They are still reporting incorrect information and will only listen to the bank while i have sent the info via the credit reporting agency web site or via fax to them. They will not remove it and will not allow me to file another dispute to have them correct this data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
My second mortgage transferred to Rushmore loan management service after it was being handled by XXXX XXXX XXXX. Rushmore mortgage got the account after XXXX XXXX failed to address the escrow issue with the loan. 
I have had Homeowners insurance since i have owned the house 11 years ago. i have sent to XXXX XXXX proof of having homeowners insurance for the last 6 years. Now Rushmore Loan Management services is trying to do the same thing and collect unverified or paid homeowners insurance on the property that they expect me to pay twice for. These practices have prevented me from making the accurate payment and they still working on collecting bogus money they never paid for. I am attaching the coverage on the house since XX/XX/2012. 
There should not be any late charges to my loan and there should be any owed homeowners insurance that i have to pay. The current company is trying to be me in default again and not even checking their records for accuracy. There is no proof on the service 's end to show i owed or didn't have insurance coverage since the current and previous servicer had handled my mortgage. 
There should be no reason that Rushmore loan management services charging me for escrow and putting in default on my loan because of escrow i had already paid and had coverage on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: MI

Complaint narrative:
Since XX/XX/2018 I have submitted multiple disputes regarding Global lending service. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: Global Lending Services LLC
State: MI

Complaint narrative:
Since XX/XX/2018 I have submitted multiple disputes regarding Global lending service. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Since XX/XX/2018 I have submitted multiple disputes regarding XXXX XXXX XXXX. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.

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 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: KY

Complaint narrative:
There was a debt of {$4900.00} from XXXX-XXXX XXXX in XX/XX/XXXX. XXXX XXXX   contacted me and setup a payment arrangement of an initial payment of {$1100.00} and {$200.00} per month in XX/XX/XXXX. These payments were automatically taken from my account from XX/XX/XXXX - XX/XX/XXXX. The account was closed and no additional charges were made to the account. After these {$200.00} payments for 18 months my balance was still {$4500.00}. XXXX-XXXX XXXX would not let me make payments to them and insisted on me working with XXXX XXXX. During this period my account was charged a monthly {$35.00} late fee, even though XXXX XXXX set up the terms of the payment. I have tried to contact XXXX XXXX and XXXX-XXXX XXXX over the last 2 years with no success. There has not been any written or verbal communication as to why this has not been resolved. My last all to XXXX-XXXX XXXX, the customer service rep just told me it was a valid balance with no explanation why that determination occurred. There is also no one at either XXXX XXXX or XXXX-XXXX XXXX willing to review my dispute in detail with me and perform the appropriate investigation to status my account appropriately and remove the incorrect balance. The last time I contacted the XXXX-XXXX XXXX customer service the representative made the following comments to me. " Everyone in the world knows how a credit card works '' and " This has been going on awhile, You just need to pay the balance ''. 

I have detailed and sent this dispute 3 times to XXXX-XXXX XXXX  and the Collection Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: MI

Complaint narrative:
I have disputed two accounts with XXXX Credit Bureau multiple times. These accounts are not mine and inaccurate. These two accounts are reporting that I owe {$25.00} each.

Company response to consumer: Closed with explanation