vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, Sallie Mae, ie, natvient, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with navients lawyers and my lawyer. Navient decided to discharge the debts owed to them. Navient is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. Navient, sallie mae, and XXXX needs to stop reaffirming a debt they agreed to discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: AES/PHEAA
State: OR

Complaint narrative:
In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. AES, XXXX, XXXX XXXX, ie, XXXX, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with XXXX lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and XXXX needs to stop reaffirming a debt they agreed to discharge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I took out a loan to help buy XXXX for my children from Tower Loan in XX/XX/XXXX. I made a few payments then fell behind due to loss of income and being on XXXX. Being embarrassed I avoided them for a couple of months until my brother in law was getting nearly daily calls and a Tower Loan employee named XXXX XXXX began showing up at my mother in law 's home demanding payment. XXXX told my mother in law that if they did not receive a payment for {$260.00} that day that I would be sued and left an opened envelope with detailed personal and finance information inside with her. Afraid of being sued I went online and set up a payment for the following payday. I made a {$200.00} payment on XX/XX/XXXX. And today XX/XX/XXXX XXXX from Tower Loan again shows up at my mother in law 's home leaving another opened envelope with personal and financial information with a note written on the outside stating " Urgent!! Last visit!! Going up for suit. '' on someone else 's vehicle in her yard. My wife called Tower Loan and spoke to XXXX asking for them to no longer go to her mother 's home and was told that they would continue to go per a disclosure I signed. My wife explained the XXXX and loss of income and told them we made a payment less than 2 weeks ago and as soon as we can make another payment we would to please no longer go to the home and XXXX hung up on her. They are rude, harassing, and violating me by giving my private information to other people without my permission.

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 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. P.O. XXXX XXXX. XXXX, GA XXXX. 
To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 5.EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, NA XXXX XXXX  XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. 
I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: AL

Complaint narrative:
I have filed numerous disputes advising the credit bureau that the public records listed on my credit report are not mine and is from identity theft. 

I have been advised that they have investigated but will not provide me the person name they spoke with to verify. 

Ive provided police reports, identity theft reports and documents from the courts to support that they have not been contacted to verify this information.

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 2019-09-06 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: AL

Complaint narrative:
I have filed numerous disputes advising the credit bureau that the public records listed on my credit report are not mine and is from identity theft. 

I have been advised that they have investigated but will not provide me the person name they spoke with to verify. 

Ive provided police reports, identity theft reports and documents from the courts to support that they have not been contacted to verify this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Garcadia Financial LLC
State: AZ

Complaint narrative:
For years, Foursight Capital ( sp? ) has harassed me with phone calls to collect a debt on people that previously had my phone number, but have not had this number since 2016 or so. After numerous attempts to have them update their files and remove me from their call lists, I have given up, and will no longer talk with them. As a senior citizen, I resent their invasion of my innocent privacy, and their recalcitrant insistence on thinking that I will pay a debt that I do not owe. They will never get a penny from me, but I do look foreword to seeing them in court, and receiving damages from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
To Whom It May Concern/ I received my denial letter for my loan modification on XX/XX/2019 due to not enough income. When I first applied for a loan modification my XXXX XXXX XXXX application was pending. I was recently approved for my XXXX   XXXX XXXX week a ago. My new monthly amount is {$3400.00}. I was told by XXXX XXXX from the Loss Mitigation on XX/XX/19 that my modification was denied due to not having enough income and to many high credit card bills. And I would receive a denial letter in the mail shortly. On XX/XX/2019 I reached out to XXXX XXXX XXXX to consolidate my unsecure debt. XXXX XXXX from XXXX XXXX XXXX set me up on a payment plan enrolled me in the program effective immediately. I submitted my appeal via email to XX/XX/19 @ XXXX. I sent the company the paper work from the XXXX XXXX XXXX and my new income from state XXXX. I have been calling Loan Care and explaining to them I want to keep my place and that I will be on XXXX  XXXX for this rest of my life. It has been a struggle to pay my mortgage because I've been waiting for XXXX  XXXX XXXX to approve my case. I have never been late on my mortgage until I was place on XXXX. I called Loan Care and spoke to XXXX a customer service rep and told her I was waiting for my payment and didn't want to receive a 30 day late mark on my credit report. She told me the company does not report to the credit agencies until XXXX of each month. She said if you make your payment before XXXX the XXXX you will be fine. I said are you sure and she told me yes. I made my XXXX payment over the phone XX/XX/19 with a rep by the name of XXXX. I received a alert from credit report today XX/XX/19 that I was reported 30 days late. I called Loan care today and spoke to XXXX about my the late mark on my credit report. He placed me on hold and spoke to a supervisor and they told me that even-though the rep XXXX gave me the wrong information. I could try and dispute the late mark, but he said it isn't a guarantee they late mark will be removed. I told XXXX since all calls are recorded can they play the call back and verify I was given the wrong information. I have been giving wrong information from different customer service reps and treated poorly I believe because of my XXXX. I feel like Loan Care doesn't want to help me with my mortgage loan. They rather see me lose my house and not help me. I believe its because of my 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 2019-09-06 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: CA

Complaint narrative:
I AM MAKING A RECORD ... .experian attorney and cfpb prosecutor will understand this legal jargon. 
10 minutes prior, XXXX of experian special services, XXXX texas at XXXX refused to reinvestigate XXXX XXXX acct   XXXX as closed.a dispute just finished where the creditor who speaks hindi told experian the account was open ... creditone does not have the authority to reopen a closed account without my approval and therfor the account is closed.i want XXXX   company experian to write a check for {$1000.00} statutory damages and mail it to me because XXXX believes his XXXX XXXX based customer XXXX  XXXX and not me and i am damaged by XXXX bias towards his customer. 
my credit is impacted by XXXX refusal to reinvestigate and without documentation from XXXX customer XXXX XXXXXXXX wont investigate.XXXX customer removed all account information from the internet upon closure which is why i want XXXX dollars from the creditor as well and will sue both at the same time. 
CFPB IS WELCOME TO FINE AND PROSECUTE EXPERIAN IN THEIR JURISDICTION.

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 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I applied for the AAdvantage Citi bank credit card enticed with their XXXX miles offer if one meets terms. I proceeded to apply and then suggested my wife to apply as well. We both were approved and completed the minimum purchase required to get the XXXX sign up bonus, $ XXXX. However, neither received the promised benefit as it seems that we had the same card within their 48 month framework. However, they approved us for the card without mentioning anything about the previous card misleading us to believe that we are eligible for the promotion. It is unreasonable to expect someone to remember what card they opened 48 months ago. They had the info but did not tell us and kept quiet and let me use the card like a fool expecting a bonus. I complained but they feel that they did not do anything wrong or misleading, I beg to differ and any reasonable person seeing that would see the fraud Citi bank is perpetuating on unsuspecting customers. Other banks like XXXX or XXXX for example inform you that you had a card like that before and would not qualify for a bonus. They would INFORM me as is reasonable to expect and not mislead and scam me. If I were to use my other card for the same amount I spent with them I would have received {$300.00} in bonus payout, thanks to their deceptive practice I got nothing.

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 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A ex girlfriend and I went into a dealership and put a down payment on a vehicle and both cosigned with the acknowledgement of there was no credit check nor inquiry. 4 months later the put a account on both of our credit reports without consent and state that's just how they operate now and there's nothing we can do about it. I never authorized a credit inquiry nor gave them permission to place and account on my credit report.

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 2019-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have had many issues over the years with Navient and my student loans. Back in 2013 I believe, they seemingly purposefully misallocated {$20.00} of my $ 100+ payment in order to charge me a late fee and call my co-signer to collect more money from them even though I had submitted the full payment amount. They also unrolled me multiple times from automatic payments without notification then contacted my co-signer for money before contacting me. Most recently AFTER they allowed me to use the max hardship deferral time, they then told me about a program to lower my interest and therefore drastically lower my payments. They allowed me to do this for about 2 years but now say I do not qualify even tho my income and expenses have hardly changed. Now since unrolling in the program, they have jacked my interest up to over 11 % and they give me no options to lower it. I am now re-enrolled in school and they are already showing signs of being difficult about adjusting my payment for in school deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Ditech Financial LLC
State: FL

Complaint narrative:
In XXXX of XXXX XXXX XXXX XXXX our mortgage company account number # XXXX gave us emergence relief do to Hurricane Irma for 3 months. After 3 month or on XX/XX/XXXX we started payment again to XXXX XXXX until our loan was approved for modification in XXXX of XXXX. Last payment from us to XXXX was XX/XX/XXXX XXXX.In XXXX of XXXX XXXX sold our loan to Ditech new account # XXXX in the process XXXX XXXX  XXXX did not record our new modified loan. In XX/XX/XXXX of XXXX we started sending our payments to Ditech account # XXXX for 5 months our last payment was sent to Ditech on XX/XX/XXXX. In XXXX of XXXX Ditech sold our loan to XXXX new account # XXXX from XX/XX/XXXX to current. Currently Ditech is reporting to all Credit Bauru we are 180 days late from XXXX of XXXX. This is not correct we were never late on any payments. I have disputed Ditech report to all major credit companies on many occasion without any result. Ditech told me XXXX is the entity responsible for 180 days late payment, when I speak to XXXX XXXX XXXX  they are telling me they have not reported any late payments and it is Ditech problem not XXXX issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XX/XX/19, XX/XX/19, and XX/XX/19 - Payments in the amount of {$500.00} each made. Interest accrued for the month is approximately {$460.00}. Difference of approximately {$43.00} each month not being applied to the principle. 

XX/XX/19 - Additional {$100.00} payment made prior to next payment. Went towards interest. Should have been {$100.00} in the next payment that then went towards the principle and did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo is reporting inaccurate information on my credit file. I applied for a secured loan through Wells Fargo. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. Wells Fargo did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with Well Fargo they said they would remove the lates, yet they have nothing!

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 2019-09-06 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit file. I applied for a secured loan through XXXX XXXX. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. XXXX XXXX did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with XXXX XXXX they said they would remove the lates, yet they have nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit file. I applied for a secured loan through XXXX XXXX. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. XXXX XXXX did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with XXXX XXXX they said they would remove the lates, yet they have nothing!

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 2019-09-06 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit file. I applied for a secured loan through XXXX XXXX. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. XXXX XXXX did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with XXXX XXXX they said they would remove the lates, yet they have nothing!

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 2019-09-06 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: Premium Credit Bureau
State: AL

Complaint narrative:
I did not authorize these inquiries

Company response to consumer: Closed with explanation