vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  is reporting inaccurate information to XXXX   and Experian. First of all, the original and actual loan date was XX/XX/XXXX. In other words, the actual XXXX XXXX calendar year was XXXX, over 12 years ago, not XXXX as inaccurately indicated on our credit reports. QUESTION : Is the incorrect Date Opened XX/XX/XXXX a result of erroneous reporting from XXXX participation in the XXXX TARP bailout program? For Your Information : TARP was the Troubled Asset Relief Program initiated by the U.S. Government in XXXX to fund billions of dollars into financial institutions such as SunTrust to restore liquidity due to excessive volumes of risky subprime lending and 2nd mortgages. In addition, the actual and correct Balance on this account was {$65000.00} not the incorrect exorbitant amount ( s ) indicated on this report. Also, the property associated with this account was sold in XX/XX/XXXX. However, even though we sold the property and no longer own the property, almost 10 days after the property was sold in XX/XX/XXXX, this adverse account appeared on our credit reports. Just to be clear, our goal is to maintain correct and factual information on our credit reports to avoid further negative financial consequences.

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 2018-03-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
On XX/XX/XXXX, I attempted to dispute credit information through the XXXX website. The website stated that the information I provided did not match their records. I called Equifax directly and asked them to correct the issues ; however, they stated there was not an issue and that all of my information matched their records. I continued to attempt to access my credit report and file a dispute after verifying my information was correct and was not able to do that. I spoke with several staff members and was transferred to different departments at least 7 times and my issue was not resolved. Equifax stated that there was nothing they could do about the issue. I was unable to file a dispute on this date. 

On XX/XX/XXXX, I attempted to dispute credit information through XXXX. I attempted to enter my information and was provided with a message that stated that my request could not be completed because my information did not match their records. I called equifax and they stated that my information was correct and there was no way for them to problem solve the website error. They also stated that if I access my credit report from XXXX, that I could have access to my credit information. I attempted that with them on the phone and was unsuccessful - again given an error message about my information not matching their records. I was transferred between 2 different departments and spoke with XXXX different people. I was either told that they couldn't help me and that someone in a different department could resolve the issue OR that there was no department that resolves that issues and there was nothing could be done. After talking with the first 6 people, I spoke with a supervisor who stated that there wasn't anyone who could fix the issue because according to their information, there wasn't an issue. She stated that she would 'escalate ' my concern, then said they wouldn't call me because they don't initiate " follow ups ''. On this date I was unable to access my credit report and a dispute was filed over the phone because their information prevented me from doing this on my own. 

This issue has been going on well over 2 years and I still have not received a satisfactory resolution. It bothers me greatly that Equifax has access to my personal financial information and are not held accountable when neglecting consumer concerns and refusing to provide a trusting and accurate service to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had a membership with Experian for Free Credit Report Monitoring. I noticed that they wer charging me {$24.00}. I had called to ensure they removed the charge since I not longer need their services, which the did. However, the next day, there was another charge for {$24.00}. 

I contacted them on XX/XX/XXXX and had waited on hold for over 2 hours before I spoke with a representative. The worker told me she does not see the charge and I have to call back on Friday the XX/XX/XXXX. I advised the worker that I do not have time to sit on hold for 2 hours to speak to someone and I would like a response back from a manager. She said she will notate the account and I would get a call back by Friday. I did not receive a call back. 

Today is the XX/XX/XXXX, I tried contacting them again but it was another 2 hour wait which I can not wait for. 

All I want is the {$24.00} refunded to my account. They claim they can not see the additional charge but I am looking right at it on my bank statements. Based on my research this seems to be a recurring issue with the company. I would like them to fix this ASAP and refund the money. 

Thanks.

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 2018-03-19 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: NY

Complaint narrative:
I graduated from graduate school in XX/XX/XXXX. At that time I consolidated my loans through XXXX XXXX. I had approximately XXXX in loans. Ive been paying since I graduated with the exception of when I went back to school for a XXXX XXXX XXXX XXXX and when I had to get a forebearance as a result of a divorce/loss of income. XXXX XXXX   transferred my loans to Navient and their payments were beyond what I could afford. Ive worked in a low income school district since XX/XX/XXXX so I decided to apply for the Public Loan Service Forgiveness program. I went with a company called XXXX XXXX XXXX XXXX XXXX XXXX that is now called XXXX XXXX XXXX. They claim to be assisting me with Public Service Loan Forgiveness through my payments to XXXX XXXX XXXX. It is now XX/XX/XXXX and my balance is XXXX? Im not a mathematician nor an accountant but I believe something is drastically wrong here and deserving attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
Company has restricted my ability to pay for online storage. They are currently holding my cloud storage data hostage and preventing every way of me paying except to use their credit line partnership. Company alleges t & c violation yet won't state what it is. I believe this is due to my XXXX  and my constant request for English speaking assistance. Discrimination at it's worst.

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 2018-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I put in offer on a foreclosed home in XXXX XXXX, VA on XX/XX/XXXX with NATIONSTAR MORTGAGE/MR COOPER my offer was verbally accepted and we were promised a contract within 2 weeks. I assumed I would have heard something back by now, I ended my lease with my current apartment because I thought I wouldve heard back by now. I will be pretty much homeless in 4 weeks so I am trying to do whatever I can to prevent this from happening. Every time my realtor has reached out to the listing agent, he says he has no updates for us. We have been trying relentlessly to try to get some answers out of this company and I will have nowhere to live if this does not get cleared up soon. Please help I STILL DONT HAVE A CONTRACT OVER A MONTH LATER

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
We are currently in the process of selling our home and have tried to receive a payoff as of the date that the wire will be received by the mortgage holder. " Mr. Cooper '' owned by Nationstar Mortgage refuses to send us a payoff as of that date. Our home sells on XX/XX/XXXX and they sent a payoff through XX/XX/XXXX. ( This is a conventional loan, not a government loan. ) I called again to request an accurate payoff, through XX/XX/XXXX and they sent a payoff through XX/XX/XXXX. I was told that they would refund the " extra '' interest with my escrow account after 30 days of receiving the payoff. How is this mortgage company allowed to hold over {$1300.00} of my money for 30+ days. If I didn't pay them for 30 days they would be all over me for my payment. The note that I signed does not give them the right to mandate a larger payoff then what is owed to them, nor does it give them the right to hold my escrow monies for 30+ days after receiving the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: OR

Complaint narrative:
XXXX XXXX XXXX  contacted me by phone last week about a debt that is nearly 20 years old, at which time I requested to be removed from their call list. They agreed, but contacted me via postal mail instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
Opened XX/XX/2016. Closed my u verse account because it was too expensive never received a final bill or collection attempt because they had the wrong apt number. XXXX XXXX XXXX reported a derogatory mark on my credit history reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: GA

Complaint narrative:
I've reached out to Navient in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about getting information regarding the origin of my loan. My daughter graduated in XX/XX/XXXXand the loan seems to be from XX/XX/XXXX ( disbursement date ). When I ask about the original issuer of the loan and the original balance of the loan I do not get an answer. I feel like this loan is inaccurate and I possibly should not be paying this loan if information can not be given to me to verify that it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested verification of the following account that Experian continues to report on my credit file : US BKPT CT XXXX XXXX   Dispute for XX/XX/XXXX : I received dispute results. Outcome stated, " The company that reported the information has certified to Experian that the information is accurate. XX/XX/XXXX I called Experian and requested the name of the company who reported the information. The representative XXXX stated, " We don't disclose who gives us the information. '' She transferred me to the fraud department. The rep there stated that, " A group of people go out and check public records and reported it to them. '' Nether representative could provide me with a company name or any proof of verification of how the information was obtained. My complaint is that Experian has not been forthcoming with the name of the company that provided them with the Bankruptcy information that they are reporting on my credit report. Courts do not report to credit bureaus. I demand and request this public record US BKPT CT XXXX XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE.

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 2018-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX illinois. I was misled regarding loans. The school falsified my signature in a few loan papers to obtain loan money. I was not aware when this happen all I knew is that the school kept me going to classes. I never graduated with my fellow students. I had to pay for the associate diploma. The department of education has an application for loan forgiveness going but in the mean time XXXX has sold the loans to Navient and other recovery agencies and they all have different loan amounts. I need help resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: IN

Complaint narrative:
EQUIFAX GOT AN OLD COMPLAINT AND RESPONDED TO THAT I WAS SPEAKING ABOUT A NEW COMPLAINT FOR ONE ACCOUNT WHICH WAS THE XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT I SENT THE NOTARIZED DOCS THE RESPONSE THEY SENT BACK WAS FROM AN OLD COMPLAINT THIS COMPLAINT WAS ONLY FOR ONE ACCOUNT WHICH WAS XXXX XXXX NOT MULTIPLE ACCOUNTS ONLY ONE THE ONE EQUIFAX RESPONDED TO WAS IN XX/XX/XXXX THE ONE I WAS TALKING ABOUT WAS XX/XX/XXXX THIS WAS THE WRONG AND ALSO AN OLD COMPLAINT responded Status Company responded Closed with explanation on XXXX Response Type Closed with explanation Company 's response *Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. Equifax has reviewed the complaint and its records. The following disputed items are currently not reporting on the Equifax credit file : XXXX XXXX, XXXX XXXX, XXXX and XXXXThe additional disputed inquiries are currently not reporting on your Equifax credit file.Written confirmation was mailed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: NM

Complaint narrative:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-03-19 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: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's. Nelnet has never responded with verification of Debt following those allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, -- - XXXX XXXX -- - ( XXXX Cir. 2014 ), 2014 WL XXXX ( XXXX Cir. XXXX 2014 ), XXXX XXXX XXXX. XXXX XXXX, the Sixth Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX Re : Wells Fargo Mortgage XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX Plaintiff : XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX After reviewing the XXXX County Records, I have noticed that the original lender XXXX XXXX XXXX did not record an assignment of mortgage with the first assignment of mortgage being with XXXX XXXX and no records with XXXX County records of Florida indicated or recorded or are found stipulating that XXXX XXXX was assigned to Wells Fargo from the conception or origination of the loan dating as far back as XX/XX/XXXX not to be found. 

Wells Fargo sold the mortgage to XXXX for well below the remaining amount of the principal note up to 50 % less than XXXX on a bid agreed between both parties which may also include no transfer of such funds just conjured paper work covering the hidden negotiations of transactions. Then we have a new assignee XXXX XXXX XXXX who decide to had over XXXX on a fraudulent loan. Considering the facts that you take a principal loan balance and you multiply it by 3 your new servicer is asking XXXX And you claim to help people your actions and recorded documents show exactly what kind of organization you run and promote, no wonder thousands of people who deal with Wells Fargo close their accounts daily, may you find Justice during the course of everything you forged against me, and every time you delayed and dejected the reasonable offers I made to solve the problem that you have caused. 



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 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-03-19 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have written to the company, XXXX XXXX XXXX on two different ocassions requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I stressed to them that I was requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.They have four accounts listed with them and I have been going back and forth with this company for a little over 2 years and they refuse to remove this wrongful information. They have responded by sending two letters for two accounts showing that I owe them but never sent any paperwork for these accounts with my signatures and never responded about the other 2 accounts that I requested information on. I am constantly called every day by this company and they refuses to give up. I have informed them on many ocassions that I am not paying for something that is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I leased an 1 bed room apartment for one year from XX/XX/XXXX to XX/XX/XXXX. I dont know what this charges are coming from. I left the unit and also, i did not received my deposit back. I was new to credit i was young and i didnt realize how importat credit is and now im trying to fix my credit this is my number one priority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation