vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I rented an apartment in XXXX, AZ around XXXX or XX/XX/2017. Within the first month or two, I was able to terminate the 12 moth lease early because my apartment was deemed uninhabitable due to a roach and silverfish infestation. They had said there were roaches around the complex, and to be careful even though the complex was sprayed often. However, upon move-in day and over the course of my time living there, they only sprayed once despite several complaints. I gave full permission to enter premises to spray for roaches. Several times they said someone was scheduled to spray but just never showed up. There was bug infestation in and around the dishwasher, kitchen sink, bathroom sink, behind/around the fridge, in ALL of the kitchen cabinets. A hole in the cabinet also led to droppings falling in my sink. Also, I was able to break the lease because they lied about certain and specific facilities ( even when asked before I signed the lease ). They said they had a gym, a pool, and a tennis court. They had none of these. They said there was a personal trainer XXXX times a week for an hour instead of a gym. Regarding the pool and tennis court on the complex 's map, it was just a parking lot, storage, and grass. I found evidence of an undisclosed mold/mildew problem that was merely painted over ( you could still smell it ). The dishwasher leaked causing a large mold problem that rotted the cabinets and warped the floor. There was mold everywhere in the bathroom and a kitchen sink area. The bathroom breaker box did not have a cover. There was a very large ( think full jansport backpack ) sized hornet/wasp nest in our outdoor storage shed. They showed me a model apartment and said the apartment I was to be renting looked virtually the same. I was told I could not view the apartment due to it being rented. Then XXXX XXXX put me in filthy, unsanitary, unhealthy conditions. I was intentionally misled about facilities, common areas, and the ability to rent in livable conditions. There were many more issues as well. I have all documents involved with my lawyer and the XXXX XXXX complex if you would like more info. My lawyer helped me terminate the lease legally. There is no public judgment against me. However, XXXX XXXX sent me to collections for {$3200.00} with National Credit Systems. I even paid for a credit repair team named XXXX XXXX XXXX to help take the collections off. I still have the collection on my Experian credit report. I do not owe the debt. I do not deserve a near hundred point drop in credit. I can send over any and all documents, emails, and communication, if requested. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: URS Holding, LLC
State: WA

Complaint narrative:
Out of the blue, because of XXXX XXXX I received a collections letter in the mail from Alltran on XX/XX/2020, stating that XXXX XXXX had sent my account to collections due to nonpayment. This Alltran letter states that I owe {$2700.00}. I immediately called Alltran and spoke with XXXX XXXX, who did patiently listen to me and is now the one Im supposed to speak with about this. Im not able to pay such a big chunk of money at once. I wanted to call XXXX and talk to them first, since they had not been in contact with me at all from XXXX to XX/XX/2020 about my account. But, I told XXXX that all educational loans were on hold due to the pandemic and Im shocked and upset I received this letter. She put me on hold then came back to answer that only federal loans are on hold. I told her this whole thing couldve been avoided if I had known I was supposed to have kept paying on this ; which I didnt know that because I had thought all Ed loans were on hold. I couldve been paying on it IF I had been told or warned that these loans were Not on hold, or even when it was one month or two months, etc late. From XXXX XXXX I received No warning, not them calling me to see whats up or why havent I paid, no nothing, no communication prior to just bam now I suddenly get a collections letter out of the blue, not knowing that anything had been wrong all these months. XXXX XXXX  did nothing to let me know any sort of thing. They sent no communications, no email, no letter, no phone call, no nothing to me, after I made my last payment in XX/XX/2020, when the news announced educational loans would be on hold for awhile due to a pandemic. I was up to date on my payments in XX/XX/2020. I called XXXX XXXX at XXXX XXXX on XX/XX/2020, to say hey this isnt right and to explain I thought loans were all on hold for the time being. I was highly upset as I couldve paid it all along if I had known these loans werent on hold. She basically had the attitude of sucks to be you and told me to call Alltran as its now their deal. I think it is unethical for XXXX to not have warned me or called me to ask me earlier on what was going on with my lack of payment rather than my not hearing anything from them for XXXX to XX/XX/2020 ( 7 months ) and then to suddenly be slammed with a collections letter like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I was under a forbearance for 6 months with a company called Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO. XXXX Back in XXXX I filled out documents requesting Loan Modification in Covid related for two months now the company received all my paperwork. I done this because we were getting our jobs back and could start making payments but could not afford to pay back payment all at once. 
I been told that they are awaiting signature from investor. I have been told this for months now I fear they will will not approve a loan modification and drag this out until end of XXXX when the protection is over and then plan to a foreclosure. I have contacted them several times and been told they awaiting Investor review. 
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 2020-11-02 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: OK

Complaint narrative:
Carhop sold me back to back dangerous and improperly working vehicles. After the first one, I was given the option to pick another vehicle. The vehicle I chose was also mechanically unsafe and unfixable so instead if chosing yet another vehicle, I wanted out of the contract. After being told I was being released of all responsibility. I find out the loan was still open on my credit causing me to have to purchase another vehicle elsewhere at 21 %. Then when it closed, it was in a derogatory " settled for less than full balance '' status. Then it reported a late payment in XXXX 2018. I was never late and account was closed in early XXXX. I have contacted them and disputed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XXXX XXXX, 2020 I went into Chase bank XXXX XXXX XXXX XXXX branch. XXXX  XXXX. Oregon. My reason was to get a cash advance off of my XXXX XXXX debt card that is issued through social security. The teller 's terminal closed and I was told by the manager that they could not give me my cash which was in the amount of XXXX XXXX dollars. The money was deducted from my card and not given to me. I was first told that it would be 5 business days before I could get it, after that 5 days passed I was told it would be 10 business days. This left me without any money, any food, or my medication. This caused a horrible hardship on me, and only after I contacted Chase executive offices was my money refunded back to my card 17 days after the incident. I am asking them for monetary compensation in the amount of XXXX dollars the amount with held from me, and nothing less than XXXX I am trying to do this without going the legal route. The only thing that I am being told is that it is in resolution. Not saying that yes they will comply or no they will not. I need to be compensated for what was caused to me as it was no fault of mine. please help me with this. I am a senior citizen XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: OK

Complaint narrative:
XXXX sold me back to back dangerous and improperly working vehicles. After the first one, I was given the option to pick another vehicle. The vehicle I chose was also mechanically unsafe and unfixable so instead if chosing yet another vehicle, I wanted out of the contract. After being told I was being released of all responsibility. I find out the loan was still open on my credit causing me to have to purchase another vehicle elsewhere at 21 %. Then when it closed, it was in a derogatory " settled for less than full balance '' status. Then it reported a late payment in XX/XX/2018. I was never late and account was closed in early XXXX. I have contacted them and disputed multiple times.

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 2020-11-02 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: OH

Complaint narrative:
Equifax is reporting negative and fraudulent information to XXXX XXXX. When I attempt to provide contrary evidence, and file a dispute this online through Equifax, I am being told that this is not an option and to contact them. I see no reason why I should need to call and explain something that I have proof against, if there is a method to do so online. Equifax is not following the guidelines of the Fair Debt Reporting Act, and is reporting information about me in a sense of defamation of character. This is indeed fraudulent, and should not be permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I went through a dispute process with Experian credit beauru because I filed bankruptcy chapter XXXX back on XXXX/XXXX/2014. I consulted with a n attorney that advised i can dispute and have it taken off my credit since it have been 7 years and it is discharged. Experian denied/refused my request and I am still unclear the reason why. I know people personally did same process and it was removed from their credit reporting. This needs to be looked at again. Thank you. I am not allow to dispute again and ask for more information which is not fair to me or any consumer out there.

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 2020-11-02 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: PA

Complaint narrative:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XXXX credit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
There are unverified items listed below remain on my credit report in violation of Federal Law. Wells Fargo DLR SVC I ask the creditor to validate the debt and explained they are required under the FCRA to have a copy of the Original Account-Level Documentation means : a ) Any documentation that a Creditor, or that Creditors agent ( such as a servicer ) provide to a Consumer about a Debt ; or b ) A complete transactional history of a Debt created by a Creditor, or that Creditors agent ( such as a servicer ) ; or c ) A copy of a judgment, awarded to a Creditor The Credit Bureaus must ensure and validate that the Creditors documentation on file is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, by and through, the physical verification of the genuine original wet ink signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof, in the form of a certified copy of my genuine original Consumer Contract with my Signature on same ( see Uniform Commercial Code 3-308. PROOF OF SIGNATURES ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, perhaps rising to misfeasance, which is defined in pertinent part as, The performance of a duty or act which one ought or has a right to do, but in a manner such as to infringe upon the rights of others, and/or malfeasance. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a certified, true, correct, complete and not meant to mislead copy of verifiable proof, you must remove the accounts listed below. 

Even though the law requires the credit reporting agencies to verify every account on consumer credit report before reporting on consumers credit file. In fact the lender never, ever, ever, sends the credit applications, signed contracts or any documents whatsoever before they report the items on consumer credit report to All credit bureaus. The CRA accept any and all credit items that a creditor sends to them electronically. They accept these credit items as true and correct and belonging to the consumer. The CRA simply place the information on consumer credit file with NO VERIFICATION. Provide proof of verification!! Please include the Original Account-level documentation.

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 2020-11-02 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: American First Finance, Inc.
State: GA

Complaint narrative:
An application was pulled in my name for over 7 different companies and I contacted the companies and credit bureau to inform them of my identity been stolen but XX/XX/XXXX has not removed the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-11-02 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: PA

Complaint narrative:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
An application was pulled in my name for over 7 different companies and I contacted the companies and credit bureau to inform them of my identity been stolen but XX/XX/XXXX has not removed the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
I currently Have 6 accounts with fed loans in which they said I had late payments more than 120 days. This was caused by my email being hacked in which I only had emails sent to XXXX and that was during the data breach. i was late but would have paid as you can look at my history. We are trying to buy a home and have a very ill daughter and if these do not get removed off of my credit, we will not be able to move our family into a home. I have been more than fair paying off my debt even during these horrible times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XX/XX/XXXX credit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XX/XX/XXXXcredit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XX/XX/XXXX credit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.

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 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
I have sent numerous letters to this company to verify debt and they still have not verified anything. Have also called and asked them to verify the debt still no response and it keeps showing on my credit report as negative but no proof. I have never had this account and still can't get the company to respond to anything. No proof of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I went through a dispute process with XX/XX/XXXX credit beauru because I filed bankruptcy chapter XXXX back on XX/XX/2014. I consulted with a n attorney that advised i can dispute and have it taken off my credit since it have been 7 years and it is discharged. XX/XX/XXXX denied/refused my request and I am still unclear the reason why. I know people personally did same process and it was removed from their credit reporting. This needs to be looked at again. Thank you. I am not allow to dispute again and ask for more information which is not fair to me or any consumer out there.

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