vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Hello I am making a complaint about NAVIENT AND DEPT OF EDU/ NAVIENT. 
I HAVE SENT OUT 4 LETTERS WITH NO RESPONSE ABOUT WHY AND HOW ON EARTH DO I OWE {$93000.00} IN DEBT AND THERES 14 ACCOUNTS ON EACH BUREA WITH THERE NAME REPORTING ON ALL MY 3 BUREAS, THEY ARE DAMAGING MY CREDIT AND CREDIT REPORT AND CANT EVEN RESPOND WHY SOMETHING ISNT RIGHT WITH THIS AGENCY PLEASE HELP AND ACCORDING TO FCRA IF THERE'S NO RESPONSE AND IT HAS BEEN ON 30 TO 45 DAYS ITS MUST BE DELETED UNDER THE STATUE OF LIMITATIONS THANK YOU SO MUCH CFPB FOR HELPING AND YOUR WORK YOU DO IT IS HIGHLY APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I received a letter from the company CMRE Financial Services stating that I owed there company. Over the past couple of days I have paid ever balance owed to the original company which is XXXX   XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit Bureau is reporting inquiries that I didn't do and the credit bureau informed me they would investigate them or remove them, and I can take them to court. Below is the letters I send to bureau it was received by XXXX XXXX on XX/XX/18 at XXXX XXXX tracking number XXXX. The letters sent are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter by certified mail in order to dispute information, in regards to multiple hard inquiries that were being reported on my credit reports. They recieved this request XX/XX/XXXX and responded XX/XX/XXXX. The request that I submitted included the list of Hard Inquiries that were not factual and I received the same response for all inquiries, stating " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. Receiving a response five days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I did not inquire or signor give consent in any way for the inquiries and was looking for a validation into where they came from. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries and request that they be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
A XXXX  bill that was in my dads name is not mine!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have two collection accounts with XXXX XXXX on my XXXX. The original creditor is XXXX XXXX. These accounts are reporting as open. A collection agency can not report as an open account with past due. I disputed this several times with no resolution other than saying the debt is valid. They are breaking the law as they are NOT a lender and can not have an open trade line. 

Second, those same two accounts are being reported by XXXX XXXX on my Experian even though they sold the accounts to XXXX XXXX. Imdiaulyed this as well for reporting twice for the same credit line but again, it only comes back As verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2018 I did a wire transfer from my bank account in the amount of {$7700.00} to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NJ XXXX. The wire transfer shows the beneficiary bank being Capital One NA of XXXX XXXX, LA with an ABA/RTN number. This wire transfer was suppose to been for a truck that I thought I was purchasing using XXXX. But have not been able to get in contact with the seller. I have spoken with XXXX which informed me that my offer was denied but was at some point the conversation was intruded and I began speaking with someone else that perpetrated as the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
THUNDERBIRD COLLECTIONS Last reported : XX/XX/XXXX {$1000.00} Needs Attention Balance {$1000.00} Highest Balance {$1000.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX. 
Creditor Information THUNDERBIRD COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I have a car loan with XXXX  XXXX. The payments were set to auto pay XX/XX/2016 - until. After 18 months it stopped without my knowledge. XXXX failed to notify me by mail or phone and repossessed my vehicle. I paid late payments the very next day when I was finally notified after the repossession. I explained to them of their mistake ( WHICH THEY FAIL TO ADMIT ) and they still reported it to credit bureau and ruined 20 plus years of good credit. When trying to resolve with staff including supervisors some were extremely rude and not willing to resolve the issue. One even admitted they understand my point but still was unable to resolve. After filing complaint they continue to report this to credit bureaus. This is MAJOR BULLYING on their part as I only have a few resources to go up against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
XX/XX/XXXX, hired XXXX XXXX XXXX XXXX XXXX XXXX, to dispute inaccurate and or fraudulent accounts on all credit reporting bureaus. As of XX/XX/XXXX, I pulled a credit report to show progress XXXX XXXX XXXX attempted. Accounts in question had not been removed only closed, no account accuracy, contracts, account transactions received, from third party debt collect XXXX XXXX, XXXX. Account was sold XX/XX/XXXX from XXXX Bank, formerly kmow as XXXX XXXX XXXX Bank. Currently, XXXX XXXX XXXX, sent a 'Alias Summons requesting demand of XXXX. 

On at least 4 attempts, credit bureaus, XXXX Bank ( change of name in XX/XX/XXXX ) and XXXX XXXX XXXX, were contacted to valid account accuracy due to severe identity theft, XXXX XXXX XXXX, has violated the Fair Debit Collection Protections Act ( FDCPA ) that prohibits debt collectors from from using unfair, deceptive, and or abusive when collecting comsumer debts.

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

Complaint narrative:
I have two collection accounts with XXXX XXXX on my Equifax. The original creditor is XXXX XXXX. These accounts are reporting as open. A collection agency can not report as an open account with past due. I disputed this several times with no resolution other than saying the debt is valid. They are breaking the law as they are NOT a lender and can not have an open trade line. 

Second, those same two accounts are being reported by XXXX XXXX on my XXXX  even though they sold the accounts to XXXX XXXX. Imdiaulyed this as well for reporting twice for the same credit line but again, it only comes back As verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I applied to return in school in XX/XX/2018, I was advised by finance dept that i had a loan in default I have had student loans for many of years and i have always keep them in good standing i did not understand what was happening I researches NDSL and saw that a federal perkins loan for the amount of {$150.00} was deffered i called numerous places including XXXX they were very rude and stated i would have to pay the money i advised that I never attended the class i advised it was a online and i dropped she stated that they dropped me and i was charged for the full class. they then advised me i needed to call XXXX I spoke to them and they said I now owe {$220.00} i explained I was never advised of this they said it was nothing they could do he gave me information to apply for a forbearance and how to consolidate my loan i first tried to do a forbearance they just had a form did not state that any document were required i filled it out and submitted i got a email advising it was rec 'd after 7 days no response i called XXXX they said i was denied because i did not submit a check stub. i asked why was i not advised of this i got no response and was told to resubmit with check stub, again i got no response i called again a rep placed me on hold and told me i was not in default and they would have to clear my account it will take a few days i called back again 5 days later and was advised the same thing she told me to watch my email. i never got a email so i emailed them. they responded statingmy account was not in dafault it just accerlerated which means it is only past due but not in collections that my account is under a full defferal and i wont have to pay until XX/XX/2018 i sent another email on XX/XX/18 asking for a good standing letter so that i can proceed with school. i then got a reply from XXXX stating that they can not give me a clearance letter because the account is past due that i have a gap in the account from XXXX i sent a reply which they never respomded to asking why each time i call or email i am advised something totally different i also send the email in which they sent telling me my account was clear. i also advised that since i was not sure how they were going to handle my account I consilodated my loans and included this perkins amount I advised that they rec ; d that info as well and should be able to send my clearance letter i still have not gotten a response. I would like to know if there is anything that can be done at this point i think they are attempting to do what ever they can to avoid me from going back to school what ever complaint i can file to get then to release my letter and clear my account i would like to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Contacted Nissan, shows my account was delinquent in XXXX of 2018. I was not delinquent in XXXX. They need to make the necessary adjustments on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a car loan with XXXX XXXX. The payments were set to auto pay XX/XX/2016 - until. After 18 months it stopped without my knowledge. XXXX failed to notify me by mail or phone and repossessed my vehicle. I paid late payments the very next day when I was finally notified after the repossession. I explained to them of their mistake ( WHICH THEY FAIL TO ADMIT ) and they still reported it to credit bureau and ruined 20 plus years of good credit. When trying to resolve with staff including supervisors some were extremely rude and not willing to resolve the issue. One even admitted they understand my point but still was unable to resolve. After filing complaint they continue to report this to credit bureaus. This is MAJOR BULLYING on their part as I only have a few resources to go up against 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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After submitting an Identity Theft report to Equifax they removed the accounts associated that weren't mine ; this occurred in XX/XX/2018. Just recently checking my credit report on XX/XX/18 they re-inserted the information back on my credit report. According to FCRA law I am supposed to be notified within 5 days and as of today I have still not been notified. I want these items permenantly deleted from my credit file and never reinserted. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Card, XXXX Card, XXXX XXXX, XXXX-XXXX, XXXX/XXXX, XXXX Bank, XXXX, XXXX XXXX, XXXX XXXX Card service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
I have been in different periods of administrative forbearance since XXXX of 2018 and transferred to XXXX XXXX in XXXX. Despite this, XXXX reported me as delinquent. They are easily able to see that I am NOT delinquent - nor have I ever been. However, they are yet to reconcile this issue with the credit reporting companies. I am unable to get a BADLY needed loan because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc. 

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago. 

3. The current payment account status is 120 Days Late but the account is Listed as closed. 

4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received. 

5. Its ahowing as Voluntary Repossession and I NEVER EVER EVER EVER DID THIS and I requested prood of this and never rcvd. 

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XX/XX/XXXX, hired XXXX XXXX XXXX XXXX XXXX XXXX, to dispute inaccurate and or fraudulent accounts on all credit reporting bureaus. As of XX/XX/XXXX, I pulled a credit report to show progress XXXX XXXX XXXX attempted. Accounts in question had not been removed only closed, no account accuracy, contracts, account transactions received, from third party debt collect XXXX XXXX, XXXX. Account was sold XX/XX/XXXX from Synchrony Bank, formerly kmow as XXXX XXXX XXXX Bank. Currently, XXXX XXXX XXXX, sent a 'Alias Summons requesting demand of XXXX. 

On at least 4 attempts, credit bureaus, Synchrony Bank ( change of name in XX/XX/XXXX ) and XXXX XXXX XXXX, were contacted to valid account accuracy due to severe identity theft, XXXX XXXX XXXX, has violated the Fair Debit Collection Protections Act ( FDCPA ) that prohibits debt collectors from from using unfair, deceptive, and or abusive when collecting comsumer debts.

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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc. 

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago.

3. The current payment account status is 120 Days Late but the account is Listed as closed.

4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received.

5. Its ahowing as Voluntary Repossession and I NEVER EVER EVER EVER DID THIS and I requested prood of this and never rcvd. 

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.

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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc.

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago. 3. The current payment account status is 120 Days Late but the account is Listed as closed. 4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received. 5. Its ahowing as Voluntary Repossession and I NEVER EVER
EVER EVER DID THIS and I requested prood of this and never rcvd.

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.

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 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
I AM BEING CHARGED FOR A PHONE BILL I DID NOT OPEN. 
I AM ALSO BEING HARRASED ABOUT NOT PAYING MY CAR NOTE ON TIME WHICH IS ALSO UNTRUE I HAVE CONTACTED THE COMPANIES ON SEVERAL OCCAISIONS BUT TO NOTHING HAS BEEN RESOLVED.

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

Complaint narrative:
A letter was sent to Transunion Credit Bureau to revise my credit report information on the phone application XXXX XXXX  sponsored by XXXX XXXX. I received no response. XXXX XXXX was emailed directly and failed to respond.

Company response to consumer: Closed with explanation