vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have collection account that are still showing on my Experian report that have been deleted from other reporting bureaus. These accounts were deleted by using a third party agency and Experian has yet to delete account from my credit reports. The 4 accounts could not be verified or validated. I would like Experian to do as the other bureaus have and update my Credit report to reflect NO collection accounts. One account ( XXXX XXXX in the amount of XXXX ) on consumer report exceeded the 30 day to validate debt by accordance to FRCA requirements and is in violation but has failed to delete account. I am also submitting a complaint to the BBB against Experian and XXXX XXXX for violation of FCRA.

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 2018-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Accelerated Creditors Services, Inc
State: OH

Complaint narrative:
XXXX XXXX has called me and my job and I dont even have any letter from accelerated credit so I dont even know what it is in regards to. He called from number XXXX ( XXXX ) XXXX. When I XXXX this number the complaints are he calls for Debt collections for urgent care however I dont have an urgent care bill the last one I got was in XX/XX/XXXXand paid the XXXX dollars. I would like him to please stop calling and send Debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: TX

Complaint narrative:
I recently spoke with a customer service representative at Transunion stating that I did not recognize the following inquiries that were showing up on my credit report. 

1.XXXX  XXXX  11.XXXX XXXX 2. XXXX XXXX 12. XXXX XXXX XXXX 3. XXXX XXXX 13. XXXX XXXX 4. XXXX 14. XXXX XXXX 5.XXXX XXXX 15. XXXX 6. XXXX XXXX 16.  XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX I asked if there could be an investigation into this matter an was told that inquiries are to remain on your report for the time that is dated. I was so disappointed in knowing that Transunion did not want to take the time to help figure this out. Therefore, I am reaching out to you for help in this matter. I have spoken with XXXX  about this same matter an with no issue they removed those inquiries. I even mention this to Transunion and they did nothing. I appreciate your time and effort into looking into this for me. I look forward to hearing from you soon. 

Sincerely, 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 2018-01-29 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:
In XX/XX/XXXX, I put a freeze on my EQUIFAX credit report while XXXX XXXX doing a FRAUD INVESTIGATION due to some accounts/credit cards that was open with my personal information without my authaurization, after the investigation was complete I faxed over a copy of the police report to all 3 credit bureau, transunion and experian did there due diligence and remove the FRAUDERLANT account/credit, when I came to EQUIFAX, they took more than 30 days to get anything done, and they also allow two of the FRAUDERLANT company to go in my credit report to view my report after putting a freeze on my report, EQUIFAX never did any type of INVESTIGATION, I was told that the way XXXX XXXX  XXXX and XXXX XXXX was able to verify the account was by saying that my social security number, name and date of birth matches, and that's the way they was able to verify, that is not verification, I asked EQUIFAX to send me a copy of the written agreement with my physical signature, EQUIFAX said that the creditors did not provide them with that's INFORMATION, so how is it the creditor able to verify, my information was also stolen in XX/XX/XXXXand someone even file tax with my personal information, and was also part of the EQUIFAX data breach, and provide d a police report to all three credit bureau. But EQUIFAX did not do there due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a {$330.00} payment to my paypal account from my bank checking account. I later found out that paypal took TWO payments from my bank checking account, both payments in the amount of {$330.00}. My bank informed me that one payment was made on XX/XX/XXXX and a second payment was made on XX/XX/XXXX. I immediately contacted paypal who refused to do ANYTHING except return ONE payment within 10 days. I went straight to my bank and informed them of the ILLEGAL THEFT of my money, which caused my account to become negative and caused other credit card payments to be NSF. ALL of this could have affected my excellent credit rating. My bank worked with me and did not charge me for any late fees. THEN, on XX/XX/XXXX, I made two XXXX purchases and used paypal to provide payment to the merchants. I deliberately clicked the box that said to charge my XXXX XXXX for the payment and NOT my bank. XXXX DELIBERATELY charged BOTH payments to my bank and again my bank checking account went into the negative. THIS IS FRAUD and ILLEGAL THEFT of funds. XXXX denies any wrong doing and I am tired to their theft and deceit. When I attempted to call them today, their phones continued to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Still showing statements from SANTANDER CONSUMER USA on experian credit report with a balance of {$22000.00} and a past due amount of {$10000.00} from XXXX XXXX, 2016 which is inaccurate information on my report because I have been a victim of identity theft ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
I had two collection accounts put on my credit report from Helvey & Associates. I paid these accounts as soon as they were brought to my attention and they told me that they would be removed from my report and it would not damage my credit score. This is not true as my credit score has decreased by 90 points. 

They had an incorrect address for me and I never received any written letters. They did not have a specific unit number and sent the letter to a general commercial address and I did not receive any written correspondence from them. Now, my credit is destroyed and i'm trying to purchase a home and i'm unable to get approved as a result of this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: AR

Complaint narrative:
In XX/XX/, I retrieved a copy of my credit report. I noticed that the XXXX XXXX  XXXXNelnet was reflecting that I was 90, 120, and 120 days late respectively for the months of XXXX through XX/XX/. I immediately began the dispute process with the credit bureaus. The responses were that these accounts were verified as accurate. To that end, I reached out to the Office of Consumer Advocate for student loans ( see attached letter ). My primary concern is that for all of these accounts in XXXX of XX/XX/XXXX, I was ok with my payment history, yet in XX/XX/ ( 30 days later ), they reported that I was 90 days late. How so? 

In my communication to Nelnet, I specifically stated that I keep all of my records regarding student loans and I take full responsibility of my obligations ; however, I would like them to investigate their reporting for a mistake made on their end. Further, I requested that they provide me copies of all supporting documentation that substantiates the accuracy of their reporting. To date, to no avail. It has been well over 60 days from my initial request to them and I am yet to hear anything from them. I sent my dispute/request for investigation letter to them certified with a return receipt, yet I have not received any acknowledgement from them. The entries are not inaccurate and appear to be unverifiable given that I have not heard from them ; therefore, I am requesting that the status of my payment history reflect that I was ok and current for the months of XXXX, XXXX and XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent a certified goodwill letter to Capital One Executive Resolution on XX/XX/ to remove late payments on my credit report. I explained that during the time I was have a financial hardship. After no reply, I sent an email to the CEO on XX/XX/, including a similiar goodwill letter, explaining my finaicial hardship and my loss of wages. I received a phone call on XX/XX/ that my account was going to be investigated. I was told today, XX/XX/ that they are not willing to change the status. I'm currently in good standing and I am working towards improving my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I made two regular mortgage payments which would pay my XXXX and XX/XX/XXXX payments. This payments were incorrectly posted as a principal reduction. I called to have this reversed and reapplied. When this was completed, the bank failed to effective date the transaction of XX/XX/XXXX. Therefore, not only is my interest accrual wrong but my tax statements as well. I have called three times to have this corrected to no avail. My current tax statements show I have paid interest in XX/XX/XXXXwhen in fact, I have not paid any principal or interest in XXXX. When I spoke with a woman named XXXX today, she advised me that there was nothing to correct because I paid the interest in XX/XX/XXXXand they can only report interest for a 12 month period. This is simply not true as it was paid in XXXX. I need these payments corrected with the proper posting date ; we all know interest accrues daily on mortgages so this is deceptive to the consumer. I also need my tax statements corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: Affiliated Acceptance Corporation
State: OH

Complaint narrative:
XXXX will not remove a paid collection debt that l had owe from XXXX XXXX., and affillated acceptance co.off my credit report. They told me that they would remove it. also so did so did XXXX XXXX. said they would remove it. after l pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: I.C. System, Inc.
State: LA

Complaint narrative:
I have collection account that are still showing on my XXXX report that have been deleted from other reporting bureaus. These accounts were deleted by using a third party agency and XXXX has yet to delete account from my credit reports. The 4 accounts could not be verified or validated. I would like XXXX to do as the other bureaus have and update my Credit report to reflect NO collection accounts. One account ( IC systems in the amount of XXXX ) on consumer report exceeded the 30 day to validate debt by accordance to FRCA requirements and is in violation but has failed to delete account. I am also submitting a complaint to the XXXX against XXXX and IC Systems for violation of FCRA.

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 2018-01-29 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: DISCOVER BANK
State: PA

Complaint narrative:
I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: CIT BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ARS National Services, Inc.
State: WA

Complaint narrative:
XXXX XXXX and ars Live wa state received community discharge for my spouse ch XXXX bankruptcyXX/XX/XXXX -gave XXXX  XXXX case number and attorney info etching Emailed the bankruptcy dept of XX/XX/XXXX including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. 
XX/XX/XXXX relieve letter from ars national services Inc seeking collection of XXXX for XXXX of my XXXX XXXX accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. 
Last time I tried calling ellan financial for collections on harborstone account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXXso I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I moved into XXXX XXXX in XXXX, GA onXX/XX/XXXX, 2017 and during my walk throughout without anyone from management I found pet hair throughout the apartment. I had an XXXX reaction sleeping in the apartment and notified the office immediately. They had someone come out and clean the carpet XX/XX/XXXX/17. That didn't work and I was still having health issues so they had some come do and XXXX cleaning which I had to be out of my apartment for all day. I told the office pet hair was still in the carpet and due to my XXXX I would have to move out since they didn't replace the carpet. I'm being charged for having to move out due their negligence of properly cleaning the apartment and feel I shouldn't be charged for having to move early because I'm XXXX. I told them I hadn't moved all my things in yet so whatever needed to be remove the carpet, etc could be. This is affecting my credit and I've tried working this out with them several times. I'm being charged {$1900.00} for termination

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/, 2017, I purchases a new vehicle at XXXX XXXX XXXX. I noticed that on my credit report there are three ( 3 ) hard inquires which were not all authorized by me. The unauthorized inquiries are from the following financial institutions : 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: SLM CORPORATION
State: GA

Complaint narrative:
I do not make enough money to pay over {$700.00} a month to Sallie Mae due to the troubles of finding a job after college. I am currently working as a server, along with bills ; a {$110.00} car payment, {$700.00} in rent, $ XXXX {$110.00} a month for utilities, ~ {$170.00} for federal student loans, and not mention the costs to survive. On XX/XX/XXXX around XXXX I was told I could go into a program that would put my loans up to date. I would have ~ {$270.00} taken out of my account automatically for 3 months. This would be the new payment for 2 years and I might be eligible to reapply after this period of time. I was told that it would also lower my interest rate to ~3 % during this time. My co-signer also is unable to help pay with these loans. These were the terms set due to her financial situation as well. Two payments were taken out, yet we were still getting past due notifications. To understand why this was happening I called Sallie Mae on XX/XX/XXXX to see what the confusion was. As it turns out, without giving us proper notification, we were denied for this program and the already hefty XXXX a month has now grown over two months. They breached our contract with deception of the worded confirmation they sent us in the mail, yet did not send anything mentioning our " denied '' form about the program they so happily took money for. I was not told anything until I called. They record all of their calls, with our call I believe I can prove that they went against their word. This yet another unethical deception of Sallie Mae that any XXXX search can bring up. Salt to the wound, we asked of we could get any of this in writing and was told they " don't do that ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have an equity line of credit with Huntington bank. This line of credit originated with first merit bank and was transferred to this bank during the buy out. I currently have a balance of approximately {$34000.00}. The ten year draw period has ended. I have never been late on the minimum payments of this loan. When I realized that the draw period was ending, I went into a local branch and asked for information about this being converted into a fixed rate loan. When I took this out with the original bank, this is what I was told would happen. When I went to the bank, an application was taken, however nobody ever contacted me with a response. I then received a notice in the mail that they are demanding the full balance all at once of over {$34000.00}. I am older now and I do not drive and can not hear well on the phone. Numerous times my family members have taken me to the bank and we are constantly turned away. We are told that there is not an employee in the office that can help us and that they will contact me later. I explain I have a hard time hearing on the phone, but I am told that is my only option other than finding someone to drive me back up and hoping that the employee will then be there when I go back. Eventually I was able to get ahold of the branch and I was told that because I have a very slim credit history that Huntington will not work with me until I pay off a past due XXXX credit card balance. More than once I have asked for them to give me a confident yes that if I try to take care of the discover past due balance, that they will for sure give me it as a loan. Now I am being told that they should have never made the promise with me that if I pay off discover they will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Mr Cooper failed to pay my insurance premium from my escrow account on or before the due date.

Company response to consumer: Closed with explanation