vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Under the New law effective XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true Bankruptcy listed does include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Under the New law effective XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true Bankruptcy listed does include this information and should be deleted from my credit report.

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 2017-07-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have tried over the past 10 years or more to understand the libor index, the origination fees, the fees on top of unaccounted fees from XXXX XXXX XXXX and Bank of America since XX/XX/XXXX. They can not dispute all the additional monies I have accumulated from the original loan of {$20000.00}. I hired a private attorney XXXX XXXX of XXXX, Ohio at XXXX, to clarify the mass paper confusion, which has cost me thousands of dollars from this private parent loan from XX/XX/XXXX, it will be XX/XX/XXXX and I will be XXXX years old. Bank of America 's liaison person is XXXX XXXX at XXXX ext. XXXX sent me a document with a XXXX XXXX instead of XXXX XXXX, which is not my son 's last name. I called her several times before she responded to the bank 's mistake on that financial document and correspondence between the bank and the school. I am forwarding in an attachment of the " wrong names '' and the scratch out numbers that are hand written by the bank of {$34000.00}. Please not the time lapse of two months before the document was revised without the {$34000.00} displayed with new fees. Bank of America / XXXX refused to answer XXXX XXXX 's correspondence of his calls regarding his findings. I ran out of money before a resolution was completed. I ca n't compete with a XXXX dollar corporation. I hope that this new paper work will create some serious questions into the past lending practices of this bank, that cause them to shut down their private parent loans department.

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 2017-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CT

Complaint narrative:
XX/XX/XXXX the company ( fed loan services ) reported that i made a late payment when i was told at the time that i would be in deferment while they processed my income based payment plan application that i submitted in XX/XX/XXXX. it was to my understanding that effective immediately my payment due is to be waived during the process. i was later approved for my current payment and was never informed of this late or non payment made. i have call several times including four times in the month of XX/XX/XXXX as well as four times in the month of XX/XX/XXXX and 3 times in the month of XX/XX/XXXX where i filled out an online dispute application and continuously receive emails stating more information need or not enough information provided for the issue to be resolved. one time in the month of XX/XX/XXXX i spoke to a supervisor who personally walked me through the entire application and assured me i have filled it out correctly and submitted it to receive yet another email stating not enough information provided. they have had this on my credit report for far too long and simply do not plan to remove the false delinquency from my credit report which is holding me back from doing things as far as credit is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Genesis Financial & Payment Systems Holdings, LLC
State: WI

Complaint narrative:
I started this loan on XXXX XXXX XXXX for XXXX. I wanted the loan at first to help pay off my car, but I soon found out that I did not want the loan however it was still processed into my account. I used the money to pay for my car, however the interest on this pay it now loan was incredibly high making it nearly impossible to pay it off. I was making small XXXX $ every week that I got paid and once I started a new job they was taking it out every other week. I eventually was n't able to pay them anymore. And I wanted them to understand that I am a struggling XXXX XXXX who has a medical condition that I have to pay for my medicines out of pocket. In XXXX XXXX XXXX my car was repossessed, I tried to explain to Genesis Financial that I will not know when I will be able to pay them because my car was really important for me to have. At this point I had restablish a monthly payment of XXXX dollars a month to them, unknown to me this loan had quadruple in amount and I now owed XXXX. I told XXXX XXXX the " account manager '' that I did not know when I 'll be able to pay, and he said that I was non compliant. He threaten to sue me and him and XXXX used words like good luck in court and we hope that you have a good lawyer and hanging up the phone as I am desperately trying to understand how this escalated. They said that I was aggressive, and I threaten them but they somehow cant find the records of the phone call. I looked up consumer laws and I have a few lawyer friends who told me that this is not proper behavior for a company. They can tell me that the next process will be handle in the court of law but they can not use words that seem to threaten me. Honestly the whole interaction caused me to have an XXXX XXXX  which causes me to have XXXX XXXX XXXX. I do n't want to give this company another dime. I have given them well over the XXXX I owe them and I think its time that they are shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On X/XX/2017 I sent certified letters to theXXXX, XXXX, XXXX asking for a letter of validation for National Credit Systems for the amount of {$2300.00} all credit Bureau is saying acccount is valid but they have not sent what i requested which was written documentation that I signed showing its valid. On X/XX/2017 I sent another letter asking for the same information received another letter stating valided account but no further information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Remex, Inc.
State: NJ

Complaint narrative:
I 've been trying to deal with this doctor XXXX XXXX for years now with no avail. I only saw the guy two time in which he prescribed me medication, that i was n't suppose to be taking. Then I come to find out at this doctor was a fraud for organizing and scheme patients and insurances for years. He was take XXXX of dollars in brides. When I call the office to fight the claim the nurse would give me nasty attitude one even cussed at me and threat me if I did n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: LEXISNEXIS
State: UT

Complaint narrative:
I have requested LexisNexis in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days LexisNexis responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, LexisNexis has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that LexisNexis uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more LexisNexis was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Roycroft Management
State: TX

Complaint narrative:
I have a payday loan that I am paying through the Collection Agency. This other bill Collector comes out of nowhere calling my job, family members and threatening to arrest me if I do n't pay {$800.00} that I am already paying. They said they are Central Mediation Agency. Extremely rude too. After talking to 3 crazy people I finally got one sane person who promised to stop. The following day they started calling again from different numbers. Please help me stop this madness!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied for a credit card in Bank of America and the system said we ca n't know your credit score and credit history on the same time I summit my application I do n't know why and they refused me, now the problem is they did hard inquiry in my credit report. It will appear 2 years in my credit score for the system fault. It 's not my fault can you please dispute the inquiry. It happened in XXXX XXXX, 2017. 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 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.

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 2017-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
In XX/XX/XXXX I attempted to refer my payments or at least pay based on income. Navient made it extremely hard to complete my request. Their website is not user friendly, attachments need to be a particular size, and they would n't let me submit the document over email after I request. After I eventually submitted all the paperwork the way they required, there was no follow-through. I never heard if they were going to action or if they even received my request. I took out loans every semester XX/XX/XXXX-XX/XX/XXXX. I owe around {$33000.00} in student loans. I finally have a job where I can afford to start to pay students loans but I 'm concerned that I 'm going to be paying too much. My monthly payment is currently {$340.00}. I will try to get it reduced again but by what I 've read online, it seems like they are not going to work with me. I truly wish I could transfer my loans to a more reputable lender whose customer service actually operates as if they care for the borrower. Additionally, like other borrowers I read about online, they have very limited and vague contact via email i.e. " New Document Is Ready To View '' emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.

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 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
West Coast Adjustors - Sentry Credit Inc in WA state has sent me a collection letter to a debt that I do not own. At the time of this collection that person named is XXXX years old. This collection was brought to me because of a cancelled appointment for an XXXX XXXX XXXX. But on the appointment date this person did not go. The person named did not receive any medical care and checkup and making an appointment does not cost any money. This person also comes from a low income background and has XXXX insurance. This letter was dated XXXX XXXX, 2017.

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 2017-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
We refinanced the house we live in XXXX XXXX XXXX XXXX, Arizona XXXX in XX/XX/XXXX with a company called Freedom Mortgage. It was then at 6.75 % interest rate and a fixed monthly payment. Immediately the payment began to increase so I began to research and investigate why. Freedom Mortgage said it was our escrow which we have evidence it was not. In the summer of XX/XX/XXXX we tried to refinance with XXXX XXXX XXXX as they were our home owners insurance and they said it could be done at 4 % interest rate. It did not happen as they stated Freedom Mortgage made it very difficult and at this time by there word we were now two payments behind. We caught up and paid Freedom Mortgage {$4300.00} in addition to the then payment. Freedom Mortgages stated to us that they sent it to a Loan Servicing company yet every single month we got statements from Them and made the payment directly to them. In the fall of XXXX they changed the account number and it has been a nightmare ever since. We have made the payments and I have copies of all the checks they deposited but not accounted for. They send us statements with amounts of funds placed in an " unapplied fund '' account. They have hurt our credit stating we are almost {$9000.00} behind. They tried to modify lowering the payment to {$590.00} for 3 months but wanted a new signed contract at 6.75 % and 30 years. Now they are threatening forclosure and we are claiming criminal charges because they got funds for months, say we have not made payments, forced us to hire lawyers that we do n't get any feedback as to their assistance but call demanding the payments. Oh we are besides ourselves. We want to get away from such a corrupt mortgage company. WE have contacted you before and they seem to do a pretty good job at lying to you as well when I have boxes and boxes of the evidence. HELP us please. Please file criminal charges against them for keeping money and not applying it to our account. Please file charges for promising they themselves would refinance at 3.5 % years ago and ignored the packages of paper information they requested I send to them stating, " we will get to it when we can ''. Please file charges against them for threatening and intimidating because they can. HELP US please.

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 2017-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ

Complaint narrative:
Because Automotive Credit Corporation keeps XXXX documents they lost a payment of mine And repossessed my car early XX/XX/XXXX of this year. I had to pay {$1800.00} to get it back. I was told next payment was XX/XX/XXXX which should have been due XX/XX/XXXX. Unbeknownst to me since I got my repo car back on XX/XX/XXXX, the new due date became the tenth so on the XX/XX/XXXX I began getting calls. I called on XXXX and informed of the change. The most cost effective choice to minimize processing fees was to arrange an electronic fun transfer on my Next payday XX/XX/XXXX to cover two payments totaling {$700.00}. Woke up XX/XX/XXXX to car being repossesses from my back yard. I called and showed receipt and they said they voided the ECT payment cuz they had no record of my call though they had record of payment arrangement and I emailed a screen shot image of my call and call time. They refuse to correct this and say I owe {$1000.00} and now need a cosigner to get my car back or property out of my car.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, 2017, XXXX XXXX, XXXX placed a collection account on my XXXX and XXXX credit report. The account is from XXXX XXXX in the amount of {$410.00}. I disputed this same account approximately 4-6 months ago as not being liable for the account due to fraud. The account was removed via my dispute but has now been sent back to XXXX and XXXX credit reporting agencies and placed on my reports once again. I 've attempted to dispute with the credit bureaus, but have not heard anything as of yet. This is week 3 without a response. I am asking for your help. 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