vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. )  XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. )  XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 2017-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been requesting verification of the following account that Transunion continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Transunion listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. On XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XX/XX/XXXX, I also contacted the number listed at the bottom of my XXXX XXXX  confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX. She also stated that there is NO inquiry from Transunion or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Transunion shows as reported on XX/XX/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 2017-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MINNESOTA LIFE INSURANCE CO., THE
State: IN

Complaint narrative:
I have a loan with personal finance in XXXX, Indiana. I recently called to discuss the amount due on my personal loan as it did n't seem like it was correct going by my records. I expressed my concern with a lady named XXXX. After talking with her she had no idea what was going on. I then asked to speak to the branch manager and was told they did not have one. I was shocked to find out that there was not an operating manager at the business. She informed me that there training supervisor was there. I spoke to her and she said she did not have time right now to discuss with me and would call me back that same day. This was Friday XXXX XXXX. I never received a call, had to call them and told that I would receive a call back Monday. This never happened. I am due for XXXX of charges that are not explainable. The company recently got bought out by mariner finance.

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 2017-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Amount due XXXX, credit limit XXXX I was reported two payments late on a credit card, XXXX XXXX credit card. I do not dispute the debt or the amount due. 

The company changed the system in which I receive my monthly bill, I was unaware of the change. I like and have always received a paper statement from the company. I have been a customer since 2006. I think it has been longer but I have no proof of that statement The two late payments showed up on my credit report via " XXXX XXXX ", I paid the amount due and discussed with employee XXXX # XXXX, who will make sure I recieve a paper statement he also waived one late fee. He was very helpful and a pleasure to deal with this afternoon. He could not help in reversing the late payments on my credit report, he gave me an address of XXXX XXXX, XXXX, Kentucky XXXX to write a letter to see if the company will resolve the issue I contend that I do not look at email from XXXX, I delete it without looking at its contence. I did not recieve a paper statement that I have always paid in the past on time. I DID NOT request an e bill or to a paperless system at all. Because the company has a credit history with me and knows I pay on time I want the late payments removed from all credit agencies.

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 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Several phone calls a day from ( XXXX ) XXXX. They never leave a message and sometimes hang up after 2-3 rings. 

I looked up this company online and they are located in Texas. But, the area code is XXXX ( an Arizona area code ). 

Additionally, I have called them a few times and it seems like an overseas call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I started this loan with Cashnet USA this in 2017, once my loan was processed the company explained to me my payments would come out of my account during my bi-weekly pay period. At this time I asked if the payment could come out once a month, I was told, they go by my pay period. From there I started to have trouble the next month with paying my mortgage which I pay at the beginning of the month. I have been getting late fees from my mortgage company, my bank and other bills due to this. I have had to close my XXXX account which I will have to pay the {$200.00} fee. My mortgage company there is a {$35.00} fee each time I am late ( I have a 1st and 2nd mortgage ). I have attached bills that have been late along with letters of late notices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: NC

Complaint narrative:
I send this dispute certified mail # XXXX to make sure they had receive it. I have no knowledge or records of account # XXXX reported by PMAB. Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you can not obtain The information from the original creditor within the required time frame ( 30 days ) Please delete this account from my CR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have two credit cards that have fallen past due through Comenity Bank. One for XXXX and the other for XXXX. They repeatedly call from blocked number, admitted to doing so and refuse to stop. I 'd tried to work out a payment arrangement before getting three months behind, and they refused that as well. 

They continue to call despite my earlier request that they stop, and communicate only through mail. Which they have not done. I had 6 phone calls from them via blocked numbers before XXXX this morning alone. I counted 9 yesterday, with one as late as XXXX. I want this to stop. I am already in the starting process of bankruptcy, and this harassment does n't do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AES/PHEAA
State: FL

Complaint narrative:
Ive requested that AES/NCT stop reporting information to my credit report for accounts that I am not liable for. I have never held an account with National Collegiate Trust If NCT holds paperwork from previous loans listed below, that information should be provided, showing a complete assignment of the debt from the original creditor. 

National Collegiate bought and securitized student loans. These securitized notes were then sold to debt investors. National Collegiate then hired XXXX to pursue debtors for collecting what they considered to be outstanding debts. 

Federal laws mandate collectors to possess the documents that prove debts they want to collect are indeed owned by the people they 're pursuing. Over 2,000 collections lawsuits that were filed on behalf of the trusts were in violation of the laws. 
In these lawsuits, the trusts do not have or can not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Valid affidavits must be signed by a witness with personal knowledge of the consumers account records. But such affidavits dont exist for any of these lawsuits. XXXX employees completed and notarized sworn legal documents for lawsuits brought on behalf of the trusts. 

National Collegiate also filed at least 486 collections lawsuits after the statute of limitations had expired, including one against myself in Florida and due to the judges lack of knowledge regarding the private loan process, I decided to settle with the company for {$19000.00} to end all communication and put this behind me. Although, NCT does not legally possess any debt owed by me. 

If there is a class-action lawsuit to help those negatively impacted by National Collegiate and its debt collector, XXXX XXXX, who sued thousands of students by relying on false or misleading legal documents and could n't prove that those being sued were the actual owners of the loans in dispute I would like to be included, compensated for damages, and have the following AES/NCT accounts removed from my credit report : AES/XXXX Bank account number XXXX. 
AES/NCT - account number XXXX. 
AES/NCT - account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been requesting verification of the following account that Equifax continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. On XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XX/XX/XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I am a mother of a XXXX year old and XXXX XXXX XXXX XXXX. I had a payment of XXXX dollars a month. I am a working mother and almost all my pay check goes to my children, and insurance and rent for our house and food. Not to mention, gas, credit cards and other circumstance. This does not include my XXXX XXXX XXXX loans, nor my other loan I have through XXXX. This also does not include my husbands loans he has to pay either. He is a XXXX and already does not make that much. 
A few months ago, I had had enough so I called to get my private loan payment lowered. The loan payment keeps changing, keeps getting more and more. They seem to keep upping the interest rate. 
After a 2 day stand off with Navient I finally reached someone to help me and get the payment lowered to XXXX a month for 12 months. Not much relief but still it was something. I had 2 days of yelling at the loan associate and having my co-signer call to make a financial statement. I do n't feel I have to yell at someone to get help, especially since I am willing to pay back my dept, I just need a little relief so my kid can enjoy food once and a while. 

I got XXXX again with my XXXX child in XXXX. I called them at the end of XXXX to see if I could pros-pone my payments until after XXXX XXXX. I only get 60 % of my salary. I have to pay my bills, I have to pay for things for my child, and XXXX is coming up. The loan associate said I had already used the 12 month no payment 5 years ago, with my XXXX child and there was no way to do it again. Not even just for 2 months. She then suggested I just not pay my loan payment for 2 months, but this would make the payment past due. I do not think it is logical for someone to just not pay their payment, go past due and then deal with the repercussions later. 
Not to mention the strain this could put on your credit. 

Why not have more options for private loans, so mothers, fathers and kids coming out of college can live. Why not make it easier for them to make their payments. Then there would not be this head ache. People would be happier and maybe not so depressed. 

It is so hard to get private loan payments lowered and postponed. I have to call at least 5 times to get someone to help me or yell at some poor loan associate. 

So thanks Nanvient for making XXXX XXXX that much harder. Thank you for making my kids XXXX that much more miserable. Thank you for putting more of a burden on me. You could n't go without your money for 2 months. You poor rich loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: SC

Complaint narrative:
On several I tried apply for job and when the background check came back I was denied employment because the agencies that supply the background check does not supply updated information. In XXXX 2017 I was denied employment at XXXX XXXX because the company XXXX XXXX reported the wrong information. On XXXX XXXX, 2017 I was denied employment with cross mark because of the same issue. Since then the companies have corrected and reported the issue but every time I apply for a job I run in to the same issue each time so I have come to the conclusion that the information that consumer reporting agency is acquiring from the Fair credit Reporting Act is not update and I would like to make sure my file is updated. I have contacted them every time this occurs to have it fix and they cant seem to help. So I wanted to know how can I get my file updated so that when companies do pull my criminal background it shows that I have been pardon for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
I was a victim of identity theft and filed an identity theft report and police report and Penn Credit just ignored this information and claimed the debt is valid which is FALSE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I tried to refinance my home loan with Quicken - not only to reduce my payment, but also to consolidate a first and second lien. Considering their rating on XXXX and how they actively market how great a customer experience they deliver, I thought I could not go wrong. I provided all the requisite documents needed quickly, and they were responsive. Strangely, just before I was supposed to receive the Appraisal, I received a revised loan estimate with a higher rate. I did n't think anything of it, until I received my Appraisal for significantly less that anticipated. To note, their Appraisal came in at {$690000.00}, while third-party sites like XXXX provided a private estimate of over {$820000.00}. I asked Quicken to go back and take another look, providing other more relevant comps than the ones used. They also missed relevant items like lake views, while in one comp they stated lakefront, but it did n't have access to the lake across the street from me ( a simple check of public record would have isolated that fact ). Quicken came back to me with no change in valuation. I asked my Mortgage Banker why the change in the Loan Estimate and he stated that the higher rate was due to the lower valuation ; I took that as I could still refinance, but just at 50 bps more on the rate. A different person - a Solutions Consultant? - came back to me and said that it was published in error, and that I had to make up the difference in LTV if I wanted to refinance. This was an approx. {$100000.00} payment. Not only was this experience terrible, but I was given inaccurate information setting a false expectation, and pertinent details were excluded from my valuation, which impacted my ability to refinance the loan and improve my financial condition. I feel like Quicken put in the low valuation because my wife has some credit card debt and they did n't want to deal with it even though she was not going to be on the loan. The one positive was that their executive office people were responsive once it was escalated to that level, but I feel like Quicken, outside of having me pay down my mortgage by {$100000.00}, was not their to offer me counsel around options. Also, as I did not agree with the valuation, I asked if they would give me back the Good Faith Funds. They said no right off the bat, without even hearing me out. Now I have no refi 'd loan and am out {$500.00}. Just terrible all around. Shame on you Quicken for taking advantage of people like that. I gave you the Good Faith Funds in good faith I would get a refinanced loan, not to compensate you for your poor choice of Appraisers who do n't know how to do their job effectively!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The Equifax credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points  difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!

Company response to consumer: Closed with explanation