vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Despite being a victim of fraud and XXXX having a record of the police reports filed, XXXX continues to report debt 's that do not belong to me, information obviously not being verifying before reporting incorrect information to my credit file, this has been an issue with this reporting agency for a number of year 's now. Information that should be reporting in my file they will not report despite financial institution 's reporting to this agency.

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 2018-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
On XX/XX/XXXX, USAA approved a debt management proposal for my account. Since that date, all payments required by the agreement have been made monthly. I received a letter dated XX/XX/XXXX indicating that the account had been assigned to a 3rd-party collection agency. Based on the accepted agreement and payments this assignment is incorrect. The debt management agency has contacted USAA on multiple occasions to have this error corrected, but USAA has not taken any action. USAA is currently reporting a " Charged off '' status on mine and my spouse 's 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 2018-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
Hello, My mother-in-law received an unsolicited pre-paid debit card from netspend.com. My mother in law is elderly and very upset and concerned about the card arriving unexpectedly in the mail and the potential effect to her credit. After, explaining to her the nature of the solicitation she is now aware of the tactics used by such unscrupulous companies. Netspend.com is practicing in predatory behavior by sending these un-requested cards to individuals, especially the elderly. This behavior can not be allowed. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
We have a car loan with XXXX XXXX XXXX back XXXX of XXXX. The car was involved in a total rec accident. Honda Financial had paid insurance and gap insurance. This all happen when when I lost my job during this time, I was having some hardship financially so I missed payments in the process before and after the accidents of the car. 

The insurance and gap insurance was totally paid off. now it's just my deductible {$1500.00}. during this time I did not have a current job as of yet. I ask Honda Financial to give me 60 days or make payments in range of 2-3 months, they refuse my and did not understand my situation. I finally got to payoff the car after 2 months of missing this dates that affected my credit history. 

in XXXX of XXXX I was able to settle the and pay the full amount to close this Auto Loan account. Now that I've been trying to get my credit established this is showing on my history. 

If you could please help me dispute this record to be taken off since this is already been paid off. 

Thank you -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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 was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10 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: Source Receivables Management LLC
State: CA

Complaint narrative:
I was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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 was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I have a personal loan at One Main Financial that I was 14 days late on the payment. They have called my cell phone 3 times a day, everyday, since the first late day. Today they called my employeer. Because I work at a casino and do not have phone access on the job, they must speak to a security officer, who then must leave his post, find me, have me taken to an office, and then relay the message. This happened a year ago when I was late with a payment and I told One Main Financial that they were not to contact me at work. Obviously, they still do. Furthermore, they will call from their office and employee cell phones, as if they are trying to conceal who is calling me, but I have all the numbers saved on my call records from my cell phone carrier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10 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: PA

Complaint narrative:
My name is XXXX XXXX and I have inquiries on my Equifax report that do not belong to me. I have called the company and sent letters. I have only received letters in the mail explaining what an inquiry is. I have also called the individual companies and they said they would contact the bureaus to have them removed. 

Below is a list of inquiries that aren't mine and I didn't authorize XXXX -- I don't have an XXXX account. I did not authorize this inquiry. 
XXXX I don't have a XXXX account. I did not authorize this inquiry. 

XXXX -- I have no idea what XXXX is. I did not authorize this inquiry. This inquiry appears on my report twice. 

XXXX XXXX -- I did not authorize this inquiry. I don't have any business with XXXX. 

XXXX XXXX XXXX -- I don't know what this is. I don't have nor am I looking for a mortgage. I did not authorize this inquiry. 

XXXX -- I did not authorize this inquiry XXXX XXXX -- I did not authorize this inquiry. I don't have any business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Today my boss recueved a fax regarding garnushment of my wages. 
Navient my daughters lender, which is under a consolidation ATM, has begun harassing phone calls ( 10 or more a dayHome phone 5 a day on Mobile ), faxed my employer about wage garnishment and will not stop when reuested to STOP. They have simply increased agression since stopping calls to my daughter. My dughter is enrolled in a program to handle debt, taking steps to settle. These calls are unending and aggressive. 
They have more resources than the consumer and fear they will take my already limited resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There was a bunch of hard inquiries on the credit report which we never made any of them. We contacted the phone # s and they said they would clear them and they never did! They are still there and all the same day and week!!!!! 

XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XXXX Texas XXXX ( XXXX ) XXXX - XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am having issues getting XXXX XXXX to correct the information being reported on my file. 
I have made a loan modification request to XXXX XXXX in XX/XX/XXXX as soon as I found out the account was in default and took charge of all of our financing. I am have not miss or make a late payment on the account since XX/XX/XXXX as you can verify with the Billpayer payment history with the exception of XXXX and XXXX when the loan officer who was handling my loan modification ask me not to make any payment in order to prevent any issue with since my load modification request was finally about to go through ; however XXXX XXXX keep making false report to all the credit reporting agency even after I contacted them via mail. I received a letter in XXXX stating that all the discrepancies will be corrected within six weeks ; however the company continues to reports multiple inaccuracies.

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 2018-03-10 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:
I am having issues getting XXXX XXXX to correct the information being reported on my file. 
I have made a loan modification request to XXXX XXXX in XX/XX/XXXX as soon as I found out the account was in default and took charge of all of our financing. I am have not miss or make a late payment on the account since XX/XX/XXXX as you can verify with the Billpayer payment history with the exception of XXXX and XXXX when the loan officer who was handling my loan modification ask me not to make any payment in order to prevent any issue with since my load modification request was finally about to go through ; however XXXX XXXX keep making false report to all the credit reporting agency even after I contacted them via mail. I received a letter in XXXX stating that all the discrepancies will be corrected within six weeks ; however the company continues to reports multiple inaccuracies.

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 2018-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
i contacted police once i returned home from a weekly vacation to realize that my vehicle had been stolen. some of my things were missing that were inside the vehicle like my wallet which had my credit cards, id and ssn card inside and a few clothes that i had stored in the trunk. i later realized that some purchases had been made and that unauthorized activity was showing on my credit report. ive contacted the agencies to get it resolved but no one has been communicating with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: TX

Complaint narrative:
The original disbursement of my signature private student loan with XXXX XXXX, now Navient was {$5000.00} disbursed XX/XX/XXXX and since then I have made payments starting XX/XX/XXXX and to this date still owe {$8700.00}. 

I asked to consolidate this loan with my other federal student loans and was told I could not. The interest rate is 11 % and I just can not understand how my total repayment almost doubles in amount from what I originally borrowed - especially since the purpose is for higher education? I feel mislead and not told the full truth in lending or at least in a way that I could understand the future consequences when I borrowed in XX/XX/XXXX. 

As a consumer I feel that Navient is predatory and took advantage of students who needed extra financial help, which I used for supplies/fees/computers/living expenses, only to be in debt by twice as much and for 20 years just to pay off {$5000.00}. It just seems unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
My wages are currently being garnished due to a Default Judgement entered on XX/XX/2008, as confirmed by the XXXX County Sheriff Civil Division. 
I was never notified of the Court appearance to dispute this debt or to defend myself against this lawsuit. 
This Judgement was issued without my presence or knowledge. 
In 2008 ; I was married, going by the name of : XXXX XXXX, which also was not noted In this Judgement. 
I have already filed a Motion To Set Aside this Default Judgement with the same Court. 
I have also contacted the original creditor, who have indicated that they were not a party to and have no knowledge of such a lawsuit or judgement.

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 2018-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My wages are currently being garnished due to a Default Judgement entered on XX/XX/2008, as confirmed by the XXXX County Sheriff Civil Division. 
I was never notified of the Court appearance to dispute this debt or to defend myself against this lawsuit. 
This Judgement was issued without my presence or knowledge. 
In 2008 ; I was married, going by the name of : XXXX XXXX, which also was not noted In this Judgement. 
I have already filed a Motion To Set Aside this Default Judgement with the same Court. 
I have also contacted the original creditor, who have indicated that they were not a party to and have no knowledge of such a lawsuit or judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I authorized mortgage company to automatically debit my checking account each month in the amount of my mortgage. When I submit an extra payment to be applied to principal, the lender does not apply the additional payment to principal, but instead applies the amount to my next scheduled payment. I have called to complain about this and was told that the only way to effectuate an additional principal payment was to send it in during the 7 days following my automatic payment but prior to the end of the calendar month. I think that is an unethical practice designed to prevent consumers from paying off principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: LUMINATE HOME LOANS, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX, I submitted an online application at AMEC mortgage giving permission to pull my credit for a loan. Two weeks later, AMEC pulled my dad 's credit to add him to the mortgage and accidentally pulled my credit a second time. Through several email exchanges, this is what they determined. 

The following are the emails from AMEC mortgage : XXXX we pulled your credit XX/XX/XXXX when we added your dad, XXXX pulled credit again because he did it on you and your dad. ( he really didnt need to pull yours again, but I think he forgot and pulled them as a joint account ). I have since called credit plus and they separated the 2 reports and the ones we will be using for your loan are the ones dated XX/XX/XXXX. We cant fix this but it doesnt make that much of a difference. I apologize for XXXX. 

Email from his assistant : Please dont dispute this, it will show up on as a dispute and it will affect the loan approval. Every file has a soft pull 10 days prior to closing and that is where the dispute will show up. In order to get the loan re-approved, you would need to remove the dispute. I would suggest you dispute after you close, but not before. 

Credit was pulled ( not arguing that ) but they say when it was pulled on XX/XX/XXXX and that it was a mistake. I was later told not to dispute it until after closing because it would hold up the loan process. So I waited. In the meantime, XXXX XXXX, the mortgage lender in charge here and I had a falling out due to terrible ethical practices that my realtor would love to be a witness to in court. It should be noted that XXXX owned a house on the same street that he was putting on the market shortly after my closing date. I wrote a bad review on XXXX and now XXXX XXXX is now retaliating against me by refusing to remove the accidental credit inquiry which has impacted my credit negatively. This is a hardship on my way of life and now I fear more retaliation since he has all of my personal information.. This has caused undue emotional stress and anxiety. 

I filed a dispute with the reporting company and XXXX XXXX refused to remove the mark and sent a condescending letter. I just want my credit fix that he ruined through terrible business practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I received no mail correspondence or phone call from Amsher Collection about a debt that is not mine for a XXXX XXXX acct I do not have. I do not have a contract with XXXX and I requested to get any proof that they have to legally send this to my credit and didn't receive anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false.

I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXX and XX/XX/XXXX and not {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC
State: WA

Complaint narrative:
On XX/XX/17 I received an email from the collections department of Acima stating that my payment was in default, this email illegally disclosed my debt to multiple third parties as this was a chain email sent to multiple customers and I'm turn disclosed these customers debt to myself, without their permission or knowledge.

Company response to consumer: Closed with explanation