vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I had a friend ask me to co-sign a loan for her. I agreed to do so and provided my information to her to start the process ; this was in XX/XX/2005. The amount she asked me to co sign for her was {$5000.00}. I did not find out until later, that the my friend had signed my name ( as suggested by the school she was attending ) as the primary borrower on the promissory note. I never signed the promissory note as a primary borrower or co signer. I also never received nor cashed the check. Im unsure if the check even had my name listed as a payee or hers ; I have never seen it. I was out of the country at the time when the check was disbursed. My friend at the time, had a third party ( her boyfriend ) deposit/cash the check in his account. I never saw the check and a copy of the check was never provided to me even upon request. I was not made aware of what my friend had done until I began receiving past due notices and after requesting a copy of the promissory note. I also notified the loan services who was Sallie Mae at the time. They told me I had no recourse and I had to pay. This back and forth with them and her went on for years ultimately with me refusing to pay another dime toward the loan. Eventually they ( Sallie Mae, now Navient ) provided me with a fraud packet which I completed and returned to them. They stated our signatures were similar enough and I provided her with the information so I was responsible even though I never signed any documents. They also would not reopen the fraud case until I provided them with a letter from my friend admitting the fraud. During the course of their investigation they never once spoke to her ( this was relayed to me by the investigator ). Also, Navient stated they would report to the credit bureaus completed investigation of FCRA dispute-consumer disagrees. They have only reported the loan as delinquent. I receive multiple calls a day all week long, threatening default regarding the loan, requesting payment, to verify my payment information, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: NV

Complaint narrative:
i am a victim of identity theft, my personal information was used by thiefs to open fraudulent accounts ... After filling FTC identity theft report with Federal Trade Commission i have sent a Request to Equifax to block fraudulent accounts from my credit report under FCRA 605B. My Request letter was sent on XX/XX/2019 Via Usps Certified mail and received by Equifax in XX/XX/2019. In said request letter i have enclosed Copy of my FTC identity theft report, proof of identity, copy of Credit report and copy of Fair Credit reporting Act Section 605B. As per FCRA 605b credit reporting agency is required to block fraudulent accounts from my credit file in 4 business days after receiving my request. As of today XX/XX/2019 fraudulent accounts are still on my report and are not blocked. 
Please see the Copy of my request along with required documents sent to Equifax attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 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: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I have disputes with XXXX with no results, results in " 2 days '' so much for investigation..this has to do with an alleged account on my credit report ( National Credit Adjusters ) re dating item, changing $ amount, today they reported me as late payment on credit report in last 60 days. Alleged debt is 3 years old, yet today slapped with a 60 day late ( Illegal to do ) I have no contractual agreement with these people NOR are they registered or licensed to practice in state of Wisconsin. MANY VIOLATIONS OF Fair Credit Reporting Act and Fair Debt Collections Practices. I DEMAND IMMEDIATE REMOVAL OF THIS FROM CREDIT ACCOUNT SINCE I HAVENT received letter of debt validation or payment history or letter of notice 3rd party this national credit adjusters taking over supposed debt. 
What's the sense of disputing errors on credit report when you get the run around and games when you do report errors!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately deleted on my credit report since no proper evidence is shown as derogatory. Simply presenting a computer generated printout is no strong evidence as accurate. This is unfair reporting practice and will not be tolerated as such. So delete XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2019-06-13 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: MS

Complaint narrative:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX XXXX, DEPT OF ED/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX NCB Management Services Inc. XXXX XXXX  XXXX XXXX , PA XXXX RE : NCB File # : XXXX ( On behalf of XXXX  XXXX XXXX XXXX , XXXX D/B/A XXXX Acct # : XXXX ) To Whom It May Concern : This letter is in regard to reference number : NCB File # : XXXX account number : XXXX, which you claim I owe {$5200.00} to XXXX  XXXX XXXX XXXX , XXXX D/B/A XXXX XXXX. This is a formal letter that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 

I contacted this company by certified mail on XX/XX/2019 and I have not received any credible response showing my signature on any documents showing where I owe this debt. This company has filed a collection report with all three credit bureaus without validating my signature. Please force this company to validate my signature that I owe this debt. If they don't respond in 30 days, please make them remove all collection notices with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have two credit cards with Citibank. One has a credit balance ( money owed to me ) of {$660.00} ( card  ending in XXXX ). The other credit card has a balance due XXXX money I owe the bank ) of just under {$100.00} ( card ending in XXXX ). Three times I have called the bank and asked that they transfer the funds from the one credit card to pay the balance owed on the other credit card and mail me the difference. However every time I call the person taking my call acts like I am speaking a foreign language and I never get any meaningful assistance. I want the one credit card account paid using the credit balance in the other credit card account that is owed to me and the difference mailed to me. This is NOT  a request to close either of the accounts it is simply a request that money owed to me be refunded after the amount owed is paid.

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 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union agreed to a settlement for less the owe amount. They report correct what I had paid to settle the XXXX accounts and the balance and past due balance were update to {$0.00} due to the settlement that was made. Now, XX/XX/XXXX they are reporting to the XXXX credit bureaus a balance and a past due balance amount. I reached out to Navy Federal Credit Union on XX/XX/XXXX spoke with XXXX XXXX advising that the balance they are reporting is inaccurate and she advise that would handle the dispute one they receive it from the 3 bureaus. I did not get a resolve with the company even though XXXX XXXX is the same agent that took my payment on XX/XX/XXXX to settled the account. How can they report the correct information on XXXX & XXXX of XXXX, then in XXXX report a balance and a past due balance when they agreed to the settlement which would in turn close out this account and cease further collection activities. This had drop my score and I very upset with how Navy Federal Credit Union treat this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
{$1400.00} on XX/XX/2018 I wrote the company a letter with no ask.

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 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
Hi, I was falsely tricked into setting up an account at XXXX by the employees. First off I was XXXX at the time of the account being opened. The workers told me that even though I wasn't 18 that they could work around it, and i'm most certain that they lied on the paper work to get me approved. I would appreciate it if you could look more into the case. The workers uploaded my ID at the time and I was XXXX so the time frames should match

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: WI

Complaint narrative:
I have disputes with XXXX with no results, results in " 2 days '' so much for investigation..this has to do with an alleged account on my credit report ( XXXX XXXX XXXX ) re dating item, changing $ amount, today they reported me as late payment on credit report in last 60 days. Alleged debt is 3 years old, yet today slapped with a 60 day late ( Illegal to do ) I have no contractual agreement with these people NOR are they registered or licensed to practice in state of Wisconsin. MANY VIOLATIONS OF Fair Credit Reporting Act and Fair Debt Collections Practices. I DEMAND IMMEDIATE REMOVAL OF THIS FROM CREDIT ACCOUNT SINCE I HAVENT received letter of debt validation or payment history or letter of notice 3rd party this XXXX XXXX XXXX taking over supposed debt. 
What's the sense of disputing errors on credit report when you get the run around and games when you do report errors!?!?

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 2019-06-13 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: WI

Complaint narrative:
I have disputes with Experian with no results, results in " 2 days '' so much for investigation..this has to do with an alleged account on my credit report ( XXXX XXXX XXXX ) re dating item, changing $ amount, today they reported me as late payment on credit report in last 60 days. Alleged debt is 3 years old, yet today slapped with a 60 day late ( Illegal to do ) I have no contractual agreement with these people NOR are they registered or licensed to practice in state of Wisconsin. MANY VIOLATIONS OF Fair Credit Reporting Act and Fair Debt Collections Practices. I DEMAND IMMEDIATE REMOVAL OF THIS FROM CREDIT ACCOUNT SINCE I HAVENT received letter of debt validation or payment history or letter of notice 3rd party this national credit adjusters taking over supposed debt. 
What's the sense of disputing errors on credit report when you get the run around and games when you do report errors!?!?

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 2019-06-13 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I submitted a complaint with your company ( XXXX ) on XX/XX/18 case number XXXX and Lincoln Financial agreed to update my credit report and remove the charge off from all credit bureaus. XXXX  was the only one reporting charge off. XXXX removed the charge off status in XX/XX/XXXX and placed it back in XX/XX/XXXX. When I contact them they stated Lincoln Financial told them to report it as charge off again. This has caused me problems I am trying to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
We started the loan modification process XX/XX/2019 with XXXX. We were turned down but re-applied with more income information. We contacted ( or  tried to contact ) XXXX numerous times, but the loan modification was not resolved by XX/XX/XXXX when PHH took over. Our loan payment has jumped from about {$1600.00} a month to approximately {$3200.00}. 

We followed instructions to wait 7 days after XX/XX/XXXX to contact PHH. Here is what happened from XX/XX/XXXX until today, XX/XX/XXXX : XX/XX/2019 Called re loan modification and PHH login help. Couldnt log in. The person I talked with said theyd connect me with the website people but after about 20 or 30 seconds, the call ended. Didnt get the reps ID. 25 minutes XX/XX/2019 Called again to try to talk to website people. On hold for 8 minutes so I am calling another customer service number XXXX-XXXX-XXXX  Spoke to XXXX, ID XXXX. He tried to transfer me to our relationship manager. RM didnt answer. 

XXXX said only our relationship manager, XXXX XXXX, can talk with us, no one else. Suggested calling Monday because XXXX doesnt work on Saturdays. XXXX-XXXX-XXXX, ext XXXX ( which turned out to be the wrong number ). 

Next I talked with a web person ( XXXX XXXX ) because I had trouble logging in. Fixed it. 30 minutes. 

XXXX-19 Called for XXXX XXXX, but he wasnt available. Scheduled appointment for Tuesday, XXXX-19. He will call between XXXX and XXXX XXXX. 

XXXX-19 No call from XXXX XXXX. Sent him an email. Called again. Spoke with XXXX ( ID XXXX ). She said XXXX XXXX extension # is XXXX, not XXXX as XXXX told me. Got shuttled back and forth. Spoke to XXXX ( ID XXXX ) who tried to put me through to XXXX XXXX. Spoke with XXXX ( ID XXXX or XXXX ). Asked to speak with supervisor. XXXX emailed the supervisor and someone is supposed to call within 24 hours. Spent about 90 minutes on the phone. 

XXXX-19 No call from XXXX XXXX or anyone else. Its now XXXX XXXX in New Jersey. 

Logged into our PHH Mortgage online account and tried to access the Homeowners Assistance Portal, but that apparently takes a DIFFERENT password which I dont have. I got this message : You are about to access a secure website that will help you submit and process your request for assistance with your mortgage - i.e. loan modification, short sale, etc. By clicking 'OK ' you are leaving XXXX and entering a website owned, controlled and operated by a third party. This link has been provided for your convenience for submitting information for review. 

I understand this is a transitional time, made worse by the layoff of 2,000 employees when XXXX and PHH were combined. We can not get through to anyone to resolve this issue. We would like to escalate the request and request a temporary forbearance for a few months and be allowed to make our former payment amount until this all gets sorted out. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: MS

Complaint narrative:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX XXXX, DEPT OF ED/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 2019-06-13 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: MS

Complaint narrative:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX XXXX, DEPT OF ED/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