vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Upon calling Navient for help when my loans went into default on two separate occasions, the most recent being about three weeks ago, I was only eligible to perform a forbearance. I had mentioned to Navient the first time I was behind payments that the school I was attending should have submitted my paperwork, and they later confirmed but would not postpone the payments due or offer lower payments ; instead they said my best bet was a forbearance. 

This past month I called them to notify I was again XXXX in school XXXX, and they said the school 's responsibility and mine is to submit the paperwork. I then asked if I could have my payments revised since I had multiple health bills impact me previously before becoming re-enrolled into school full time. They said that I was only eligible for a forbearance and not to worry about it, my payments would just go up a bit, but I would n't have to pay for 3 months. Not once was I educated on the impact it would have on my credit, nor the amount it would actually increase my TOTAL loan amounts versus the monthly payment " slightly '' rising. My credit was negatively impacted as a result because of this and I have had this loan and made multiple payments but now owe more than I initially borrowed. The lack of information, options offered, and seemingly sales-like push of the forbearance on multiple occasions is the reason I am reporting a student loan complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I wrote a response to a letter from XXXX XXXX, which asked if I wanted to dispute information regarding a credit card that was originally issued by XXXX XXXX via XXXX. XXXX XXXX did not respond to the original letter. I therefore was able to get in contact with the dispute department and spoke to a representative of XXXX XXXX named XXXX, her information is contained in the attached documents. Although I stated in my letter that I did not have information from XXXX regarding this particular payment, she kept insisting that I contact them for a copy of a cancelled check, even though this had already been done and they were unable to provide this information. At this point she said that without this information she could not determine whether or not the account had been paid. I then asked her why are you reporting this as an accurate reflection of the account when you can not determine if the account was paid nor can you determine whether the account was unpaid, but yet there is a payment reported as received on XX/XX/XXXX? I also asked why the account was sold with an amount being owed as {$780.00} but XXXX XXXX is reporting a charged off amount of {$540.00}? 

I closed the account because of the way payments were being credited to my account and credit protection insurance had been added even though I had not requested it. I was able to find information sent to XXXX XXXX XXXX requesting that the account be closed and that the payment be accepted as final. This information included a copy of the check and the credit card cut in half. I also included copies of credit reports showing the payment being credited on XX/XX/XXXX, because I was unable to provide a cancelled check or a bank copy of the check that was written to close the account. The XXXX checking account had not been active since XX/XX/XXXX. Additionally, XXXX XXXX has called several times, even after being told in writing not to, and each time I request copies of the statements from XX/XX/XXXX through XX/XX/XXXX, but they have never been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The collection accounts were placed on my credit report by the collection agency after I filed chapter XXXX bankruptcy which was in XX/XX/XXXX. XXXX has removed all collection accounts from my record which include the XXXX listed below. Equifax refuses to remove them. 

The Results Of Our ReinvestigationCollection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : This creditor hasverified to OUR company that the balance is being reported correctly. If you have additional questions about this itemplease contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; XXXX ; Amount {$170.00} ; Status as XXXX In Bankruptcy ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$0.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Address : XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXXCollection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : This creditor has verified to OUR company that the balance is beingreported correctly. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; XXXX XXXX XXXX XXXX ; Amount {$93.00} ; Status as XXXX In Bankruptcy ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$0.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Address : XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ITS SHOWS INFORMATION IN DIFFERENT CREDIT REPORTS THAT THE ACCOUNTS ARE CONSIDERED " INCLUDED WITH MY BANKRUPTCY '' DISPUTE ALTHOUGH IN OTHERS REPORTS ARE CONSIDERED AS " CHARGE OFF ''. I DO BELIEVE THAT THIS CHARGE OFF ACCOUNTS SHOULD HAVE BEEN INCLUDED WITH MY BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed items off my credit and enailed Equifax and received this : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance
State: CA

Complaint narrative:
As you probably know, XXXX is not a good choice when it comes to getting a loan or settling issues with these guys. Recently my car was repossessed due to inaccurate information given as well as deceitful tactics to get payments out of me. recently I just came back from XXXX and my finances were were not in order. So im basically playing catch up. I spoke to rep. in XXXX regarding my payments as I was 4 months behind. I told the rep I could pay 2 months which totaled out to be XXXX. She then said I qualified for a deferment program since a years worth of payments on time and my account would be current.. needless to say I never saw those deferment documents after calling and asking about it nobody seem to know anything. So with that being said My car was charged off and repossessed because of non payment. I wen tot an organization that was willing to pay the amount owed to get my car out of repossession status. The rep I spoke with was fully aware of what we discussed I repeated the terms over and over and she agreed and told if I paid that amount my car would be released to me. So the company called to get the car she had no recollection of what I was talking about so that 's twice in a matter of months either their incompetent or full of scams. Ive read one too many stories about this company.

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 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have with all three credit agencies to fix my credit reports and XXXX and XXXX have followed proper protocol as far as handling my complaint the problem comes with Equifax. I have submitted a court order to them on numerous occasions regarding XXXX and they still have yet to update my information, in fact I was to by a representative that because this company has my SSN that supersedes the court order which I know is false. They have items on my report that date back ten and thirteen years on my report and have their protocol to contest these items and they told that they were not going to remove even when I show them the law that state the time frame they should be removed. they have inquiries on my report dating back to 2013. I would like these items remove and my report reflect my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is the XXXX time that I have contacted XXXX in regards to inaccurate negative information on my credit report. The information being reported is erroneous. First of all XXXX XXXX XXXX is not the original creditor. SLU care is and I sent a letter to XXXX as well as the other XXXX credit bureaus which have removed this information from my report. However XXXX is refusing to do so with documentation presented by the creditor. I have been dealing with this issue since XXXX to no avail. the following information is their response to the dispute after being presented with a letter from the creditor that indicated a 100 % financial assistance for XXXX yr and a XXXX balance on my account with them XXXX XXXX XXXX XXXX : XXXX ... Outcome : Updated Dispute Status XXXX credit report prepared forFAILS, XXXX XXXX report number XXXX date : XXXX XXXX, 2015 Credit Report Toolkit : Credit EducationThis link opens a new browser windowKnow your rightsThis link opens a new browser windowListed below are the current disputes we have received from you. 

Results Due : XXXX Method : XXXX XXXX Items XXXX Number : XXXX ... Outcome : UpdatedPlease note that certain items may not display until later because they required additional processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has information that is formatted incorrectly, the date on the Bankruptcy is incorrect. My credit report shows a date filed date of : Date Filed : XXXX/XXXX/XXXX Which I believe it is causing the information to stay on my credit report longer then it is required. Please refer to page XXXX on the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed incorrect judgement information on my credit report twice and submitted paperwork showing that those XXXX judgements are NOT money judgements. They have them listed as if they are money judgements. I spoke to customer service as well and submitted paper work and when through a dispute twice already. I spoke to the court myself and they said those are reported incorrectly and a money judgement was never obtained from the creditor. I never had a money judgement at all. Those were possession judgements. The other XXXX credit reporting agencies took them off immediately but Equifax wo n't even listen. You can see there was no money judgement if you look on number XXXX on both pages. it 's checked and clearly shows there was never a money judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditors collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
case number XXXX. 
Equifax has not sent me full details on its investigation including copies of all of the source documents including the person who did the verification with their telephone numbers. I also need copies of the contracts or applications for XXXX XXXX XXXX XXXX XXXX i am still missing information on the credit reporting. where is a copy of the source information. it has been well over 30 days. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I called Equifax about this tradeline from XXXX # XXXX that does not belong to me. They said it is factual record. I told them it does not belong to me, I want to see proof with my actual signature showing this belongs to me. They have not sent any proof bearing my signature. Pulling something from a XXXX party vendor is not proof. Anyone can email, fax incorrect information to a XXXX party vendor. I want actual proof this belongs to me bearing my signature. Under The Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX XXXX you have 30 days to show me proof. Otherwise I will file a small claims action against you seeking damages of {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my identity was stolen and was used to open an account with XXXX and with XXXX XXXX XXXX in XXXX at a fraudulent address I lived and continue to live in XXXX XXXX, Florida, although at one time I did live in XXXX. In addition, there were many many hard inquiries made using my information. I did not realize this until XX/XX/XXXX when I tried to get a loan and was turned down by my own bank of 31 years. My very good credit rating has been ruined. It has cost me XXXX of dollars in interest and I have spent many, many hours in the past 6 months trying to resolve these issues with all 3 credit bureaus. Equifax continues to report a XXXX address which is fraudulent and continues to report hard inquiries on my report despite my calls, letters, and on-line disputes.. I have filed a police report with both the XXXX County Sheriff 's Dept and with the XXXX XXXX Police. In addition, I have filed a complaint with the FTC and with Florida Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: NIC, Inc.
State: AZ

Complaint narrative:
In XXXX or XXXX of this year I visited a XXXX clinic in XXXX, Arizona. I presented my insurance card and paid my co-pay but never received a bill. Approximately two months later and with no further communicatoin I received a letter from Nemo 's Collections for an unpaid balance that I was never contacted about. I called Nemo 's the same day and paid in full with a credit card. I also told them I never received a bill. It is now 6 months later and my credit score reflects an unpaid bad debt for which I was never billed. Both XXXX and Nemo 's Collections have behaved unprofessionally and acted in bad faith regarding this debt. This derogatory information should be removed from my credit file immediately and XXXX/Nemo 's Collections should be warned regarding their unprofessional behavior. 

XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX, dispute its still under investigation 5 month as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed this banruptcy XXXX times as a dismissed bankruptcy, and equifax keeps stating they have verified it as a discharged backruptcy which is inaccurate, and only this credit bureau shows it as a discharged bankruptcy which means they are not verifying this information as they should with the courthouse or whatever method is being used.This bankruptcy was never fully completed, it was only filed and never discharge, it was dismissed.So this record has been inaccurate and i do not believe equifax is actually verifying this information, this will be easy to prove.There should be no reason for other reporting agency to obtain the accurate information while equifax cant? This info continues to be reported incorrectly and now should be removed because of the failure to properly report it, since it has been proven that no investigations actually have been taking place, as required.This item should be deleted immediately on that basis, otherwise report that the Fair Credit Report Act is being disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to the hospital with XXXX and they XXXX when I return home property management had had maintenance remove my front door because nobody answered it my family had paid the rent in full had been in contact with management so they knew I was in the hospital but they so rudely removed my door when rent was paid in full in a high-crime neighborhood XXXX I stay one night with my sister and became homeless because of this my rent was always paid in full on XX/XX/XXXX as I had Section XXXX housing Choice vouchers get paid a percentage of my rent as well as getting regular inspections of my unit the only remarks were the carpet was worn and it needed painting I had lived there 10 years without so much as even an air filter for my air conditioning I have requested on numerous occasions where I was promised they would bring one right down but it never came also Management on several instances tried to accuse me of not paying the rent but I had taken pictures of my money order receipts this was quickly explained that somebody was stealing from the night drop box when all along manager of property was XXXX. Now I had my grandmother 's antiques that had been appraised all family photos jewelry Electronics clothing everything was gone or damaged so badly it could not be used this is ludicrous if they would even say I owe them money when they are responsible for the door missing the apartments for shortly after condemned and leveled no one ever lived in that apartment after me and the apartment was never repaired this is XXXX XXXX attempt to balance their questionable bookkeeping habits I believe so in conclusion I just want this removed from my report so that I can get into a quality XXXX thank you for your time and consideration. God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: CT

Complaint narrative:
My attorney ( who was authorized by me ) submitted a request for a Mortgage payoff statement 2 weeks ago to Seterus Inc. She was told it could take 7-10 business days. She followed up several times during that period and was told that it was still within the acceptable window and that the statement was being processed. She was given information during that time frame that she should not have received if she was authorized by me to do so. I followed up today and was informed that she was never truly authorized and that it will take an additional 7-10 business days. Neither me nor my attorney was informed of this. Quite the opposite, we were told everything was within standard procedure. Now, instead of being able to close I may not be able to sell this house. A process that most companies can do in a couple of hours take Seterus a month. They are holding on to the money as long as possible to try and make as much as they can off of the interest, meanwhile I am in jeopardy of being financially ruined. They told me they have the ability to escalate this request, but refuse to do so. Their underhanded business practices and complete lack of compassion and even human decency is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting the following liens on my credit. I have settled my portion of the liens and therefore they should be removed File Date : XXXX Amount : {$74000.00} Docket # : XXXX File Date:XXXX Amount : {$23000.00} Docket # : XXXX File Date : XXXX Amount : {$5100.00} Docket # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a tax lien on Equifax and tried to call and get them to take it off and tried to dispute, but am having a challenge. The lien has been paid in full and withdrawn - I 've gotten this off XXXX and XXXX. Can you help and let me know what I need to push this through? Thank you!

Company response to consumer: Closed with non-monetary relief