vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-26 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
I was not working during the summer and I could not make payments on all of my loans ( I have three different loans with Navient ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XXXX and XXXX on my {$170.00} loan. I called Navient several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called Navient to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XXXX XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but Navient did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can Navient fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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: GREAT LAKES
State: IL

Complaint narrative:
On XX/XX/XXXX, I had an unauthorized ACH from XXXX XXXX XXXX XXXX in the amount of {$160.00}. I notified XXXX XXXX XXXX XXXX on XX/XX/XXXX of the error given that all my student loans were paid off in XXXX. The lender refused to reverse the payment without the party that authorized the transaction to confirm despite the fact that clearly the transaction was not authorized given I 'm the owner of the checking account that is now disputing the charge. The lender then noted that I should just discuss the matter with my own bank and let them handle the dispute. I told the Great Lakes representative that they should be the one reversing the charge given they made the error and were the ones that initiated the ACH. The representative later indicated that they would put in the stop request ; however, it would take 30-45 days to make the adjustment. I indicated that this action was absurd that I should carry the burden for 30-45 days considering it was an unauthorized transaction. There was little remorse from the lender for the error. They also indicated that they could not confront the party that caused the unauthorized transaction. Once again, all of my loans are paid off and there should be no reason for this lender to be debiting my account. I also think it is ridiculous that a consumer should be carrying the unauthorized charge on his/her own account for 30-45 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed a collection item by XXXX XXXX XXXX, receive a email from XXXX and Transunion that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. XXXX on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.

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 2017-08-26 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: GA

Complaint narrative:
I disputed a collection item by XXXX XXXX XXXX, receive a email from Equifax and XXXX that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. XXXX on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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: FL

Complaint narrative:
all are being reported on experian, XXXX  and XXXX. They did not have my permission to run my credit and i have been fighting to show proof in writing and no one has provided me this informatiom. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: DC

Complaint narrative:
On or around XX/XX/XXXX, during the application process the mortgage originator asked me why I had been out of work and I responded " due to medical reasons ''. He probed further and I explained that I have a XXXX. He then went on to ask me what my XXXX was and I explained that I am being treated for XXXX and XXXX. He then asked if I have any supporting documentation to prove that I am indeed XXXX? I explained that I could get a letter my my doctor and I am also willing to write a letter and provide any other requested documentation. My FHA loan was then denied. I was told that the reason was because I had not been on my job long enough, however, I had discussed the possibility if changing jobs with one of the mortgage originators and was told that it would not affect me as long as I did not switch jobs during closing. I also told XXXX XXXX that I had received the go ahead from the referring loan originator that I had just changed jobs and I had been assured that it would not affect my application. I believe that knowledge of my XXXX influence the loan decision resulting in a denial of my FHA funding. This situation has caused me a great deal of emotional distress, it has affected my ability to purchase the home, which will effect me financially and emotionally, especially due to the fact that I have been renting in the same high crime area since XX/XX/XXXX and I am feeling trapped and I have now lost the opportunity to purchase an affordable home due to the fact that my XXXX was used to discriminate against me and deny my loan. I also believe the fact that I am a single one income female coupled with a XXXX led to the denial. XXXX XXXX then had me apply for a conventional loan, which was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
all are being reported on XXXX, transunion and XXXX. They did not have my permission to run my credit and i have been fighting to show proof in writing and no one has provided me this informatiom. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX IXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX & XXXX Inquiry from XX/XX/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 2017-08-26 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received the XXXX XXXX XXXX Credit Card XXXX in XX/XX/XXXX. 
I made one purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX {$260.00} and have not used it again. 
On XX/XX/XXXX the following transaction was withdrew from my XXXX XXXX XXXX, Texas : XX/XX/XXXX XXXX XXXX PAYMENT XXXX XXXX I did not authorize this transaction. 
I have a savings account and CDs with XXXX XXXX so I phoned them and asked why they withdrew {$2200.00} from my XXXX XXXX XXXX, Texas. After they did some searching they replied that they did not do the withdrawal. I went to XXXX XXXX XXXX, Texas and asked if they knew who withdrawer the money and they did not know so I filled a Disputed ACH Transaction. 
On XX/XX/XXXX I received an email from XXXX XXXX, Oops, did you forget to make your payment? 
I retrieved the XXXX XXXX XXXX Credit Card from my files called the number on the back of the card asked them what they were talking about and that was the first time I knew who had withdrawn the {$2200.00} from my XXXX XXXX  XXXX, Texas. 
I do not know how someone had the Credit Card information as the card has been in my file cabinet for the past 2 years. 
How did someone get the information to make a payment on my XXXX XXXX XXXX, Texas? 
When I phoned XXXX XXXX XXXX Credit Card I asked them why they had not sent me a statement and they said they had and it was returned. 
This whole thing looks like an inside job to me I dont know how anyone else could get this information.

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 2017-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named XXXX. XXXX. I disputed this debt and recieved the following from XXXX. 

XX/XX/XXXX Completed XXXX XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. 
Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to AFNI, Inc. phone number XXXX two days after the completion of this report on XX/XX/XXXX. AFNI , Inc. has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax removed my XXXX XXXX XXXX that is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: FL

Complaint narrative:
This notice is being sent to you pursuant to a Consent Order issued by the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, 2015 in the matter entitled In the Matter of XXXX XXXX XXXX , XXXX. also doing business as XXXX and Universal Acceptance Corporation, CFPB File No. : XXXX. 
This notice is sent by Universal Acceptance Corporation, because Universal Acceptance Corporation has furnished inaccurate information about some of its customers to the nationwide consumer reporting agencies XXXX, XXXX and XXXX. The inaccuracies may have adversely affected your credit. 
Consumers have a right, under the Fair Credit Reporting Act to receive one free credit report from each of the nationwide consumer reporting agencies during any 12-month period. 
If you have not already obtained your free annual report, you may do so by visiting XXXX or by calling XXXX. 
Whether or not you have already obtained a free credit report from one or more of the nationwide consumer reporting agencies during the last 12-months, you may obtain an additional report from XXXX at no charge to you for 180 days following your receipt of this Notice by calling XXXX. Go to XXXX for any additional information. 
If, in reviewing your credit report, you identify information that you believe to be inaccurate, you may dispute that information as follows : Direct Disputes : You may submit a notice of dispute directly to Universal Acceptance Corporation of the information you are disputing by calling Universal Acceptance Corporation at XXXX or at one of the following addresses : 1. The Universal Acceptance Corporation address specified in your credit repor 2. UAC, XXXX XXXX XXXX, XXXX, MN XXXX, or

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 2017-08-26 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: DISCOVER BANK
State: TX

Complaint narrative:
I have contacted Discover Financial Services and Student Loan Corporation about inaccurate information reported on my credit report. Monthly they have reported that my account is in bankruptcy, with a {$0.00} balance, and derogatory. Also this is completely inaccurate information as I have a balance that I pay monthly on time. This has caused my credit report to drop 7 points. Each time this inaccurate information has been reported, I have called and spoke on the phone several hours with specialists about their reporting errors. They claim they have done everything to resolve this issue and refuse to provide me anything in writing pertaining to their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
i applied for a Bank Of America credit card to earn promotional XXXX XXXX flyer miles. the card came and the interest rate was outrageous compared to my good credit score. i immediately contact BOA to cancel. now 7 months later and 3 additional requests to cancel this card, it is still active on all of my credit reports.

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 2017-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: KY

Complaint narrative:
XXXX removed my discover credit card that is still open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-26 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: NV

Complaint narrative:
I was not working during the summer and I could not make payments on all of my loans ( I have three different loans with XXXX ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XXXX and XXXX on my {$170.00} loan. I called XXXX several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called XXXX to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XX/XX/XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but XXXX did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can XXXX fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.

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 2017-08-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I was not working during the summer and I could not make payments on all of my loans ( I have three different loans with XXXX ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XX/XX/XXXX and XX/XX/XXXX on my {$170.00} loan. I called XXXX several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called XXXX to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XX/XX/XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but XXXX did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can XXXX fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 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: World Acceptance Corporation
State: FL

Complaint narrative:
this item was paid and on time has been removed on two credit reports but XXXX will not remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named I.C. System. I disputed this debt and recieved the following from XXXX. 

XX/XX/XXXX Completed I C SYSTEM Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. 
Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to XXXX, XXXX phone number XXXX two days after the completion of this report on XX/XX/XXXX. XXXX XXXX XXXX has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.

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