vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 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: FL

Complaint narrative:
Could not purchase vehicle due to erroneous credit file freeze by one Third Party reporting XXXX via XXXX XXXX and Experian- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!

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 2019-03-19 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: ID Analytics, Inc.
State: FL

Complaint narrative:
Could not purchase vehicle due to erroneous credit file freeze by one Third Party reporting XXXX via XXXX XXXX and XXXX- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!

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 2019-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: AZ

Complaint narrative:
I have to re-certify my Income-Based Repayment ( IBR ) plan each year. My monthly payments because of this plan are around $ XXXX/month. In XXXX of this year ( XX/XX/2019 ) I had to re-certify again, like I do each year. Last year my household income decreased from previous years. Well, my student loan payment has now tripled to over $ XXXX/month from last year. Why? I have no idea. If you compare my tax returns, which I submit each year, you'll see the decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo sold my to XXXX XXXX XXXX XXXX without anyone contacting me or giving me any notice that it was going to be sold.

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 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
SLS not providing any loss mitigation opportunity and investor not cooperating as well. I applied for loan modification with SLS after my mortgage servicing was transferred from XXXX XXXX. I applied for loan modification and submitted all the requested documentation. My point of contact there never answers my calls and it has been over 30 days since they send me letter that they are in receipt of my request for loan modification. I believe SLS and the investor are more interested in foreclosing on my home rather than trying to modify my loan payment to affordable payment. They kept sending me foreclosure notices during the period they were reviewing my file for modification. Someone needs to be held accountable and I hope my file lands on the right persons desk so he/she can see that I truly qualify for assistance based on my hardship and really tries to help within the boundaries of permitted loan modification. Agents the handle our calls keep giving us the run around. I don't think they want to help. I hope I am wrong. I don't know what else to do or whom else to ask for help.

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 2019-03-19 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:
I submitted a dispute letter requesting validation, accuracy or deletion of accounts that are deemed to be reporting unlawfully to XXXX on XX/XX/2019. I also sent a dispute letter for them to remove any incorrect personal identifiers that are not and should not be associated with me such as physical address, name, phone number, etc. My credit report still reflects inaccurate information. The personal identifiers that I consider to be fraudulent were not removed by the Credit Reporting Agency XXXX. Also I receive an letter in the mail on XX/XX/2019 regarding a investigation that I requested in regards to accounts that are not reporting correctly in accordance to the FCRA and in the letter address to me XXXX  did not provide any documentation nor evidence regarding the accuracy of the accounts which is what I requested in the Compliance letter that was sent out to them on XX/XX/2019. They are also not willing, according to the letter to re-investigate, however they did not do a proper investigation after my first request. According to the FCRA I have a right to aks for a thorough investigation into items on my credit report and those items should be verified for accuracy or deleted. I have outlined the errors that are reporting on these accounts that are not within FCRA guidelines and yet XXXX  refuses to investigate. I am requesting deletion of said accounts due to XXXX  unlawful act to investigate and neglecting of my request for a through investigation according to my consumer rights outlined by the FCRA. As stated no paperwork was submitted to me to verify the validity of the accounts nor the accuracy. These items are detrimental to my credit profile and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
I have attempted multiple times to get my co-signer released from my student loans. We have paid 12 months of interest up front, as well as all the other steps listed on their website yet I am still being denied. No one returns my phone calls. I need my cosigned off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have been receiving emails from Bank of America that provides sensitive 3rd party private information for a collection debt. Ive written Bank of America and advised them they have the wrong person and they are in violation of FDCPA 3rd Party Disclosure.

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 2019-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: FL

Complaint narrative:
I didn't like the way they collected payments, so I paid off the loan in its entirety before the first payment was due. Then I requested they close the account. That was in XX/XX/2019. As of this date, I have called them back two additional times and they have still not closed the account. It is XX/XX/2019 today. They keep promising, but they never close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am having a hard time contacting someone to tell me status about my loan discharge due to school closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
Bill sent to us by CitiBank/XXXX during the month of XX/XX/XXXX9 ( Reference : XXXX ) There are a number of suspicious circumstances about this bill. 
1. The account was paid up and closed down in early XX/XX/XXXX. The account was on autopay. There was never an outstanding balance from previous months. 
2. The cards ending XXXX and XXXX were both cancelled in early XX/XX/XXXX and could not be used. 
3. There is no itemization of the purchases that motivate this new balance. 
4. The balance of {$4700.00} is unusually high. Our bills were usually half that amount or less. 
5. We received no bills for this account XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. This bill is said to cover expenses in XX/XX/XXXX. 

We have tried to contact billing at CitiBank regarding this issue. A weakness in the billing processes at CitiBank is being exploited we suspect intentionally. Instead of talking with us the bill has been sent on to the collection agency XXXX XXXX XXXX XXXX. 
Either someone in billing at CitiBank made a mistake or is attempting to fraudulently exploit a family in mourning. 
We are reporting this crime to both the police and the Federal Trade Commission.

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 2019-03-19 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: ID Analytics, Inc.
State: GA

Complaint narrative:
To whom it may consern : My identity had been stolen, I have been trying to resolve this problem, account had been place on my credit file everywhere, an FTC report had been file an a police report as well, these items should be remove from my credit inmediately. 
Some of this items already been deleted but some still remains, please help me to clear my name.

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 2019-03-19 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
NMAC reported a charge off reporting to the three credit bureaus - I have a letter from NMAC dated XX/XX/2016, they accepted the settlement amount of {$3600.00} and would report the loan as paid full and remove the charge off. They reported the charge off almost two years later. I disputed the charge off with the credit bureaus but it came back as accurate. I did not communicate with any collection agency only with NMAC. 

My understanding is that if they sent the letter and received payment for the balance of the loan why do they get to report a charge off. I did not receive a XXXX from them so how do they legally get to write off a loan that has technically been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I had a loan with Credit Acceptance Corp and it was the worst mistake of my life. So I refinanced this loan but I wish I had refinanced sooner but they were giving me inaccurate information about refinancing. I refinanced the loan with XXXX and I wish I had done it sooner. I got a call from a collection agency stating that I owed a small balance. I sent them a certified letter asking why they say I owed a balance when I had a letter stating that my account was paid in full. I received another letter from Credit Acceptance stating that my account was paid in Full in XX/XX/XXXX. But in XX/XX/XXXX they reported to all 3 credit bureaus that the account is in collections. The company then sent me another letter stating that my account was paid in full. The company even sent me a refund check for {$47.00} in over payment to my account. My credit report did not show any late payments before they sent this straight to collections and it is now it is still on all of my reports even though I have been disputing it and it caused me to be denied another car loan.

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 2019-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX   Inquired on : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX  Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, 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 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XXXX XX/XX/19 I purchased an item off of XXXX ( amount {$570.00} ) and charged it to my Paypal credit for 6 easy payments with 12.99  % interest, but, it turned out to be the seller was a decoy seller and XXXX refunded the {$570.00}. 

Paypal credit instead of applying the refund to the original transaction, they applied the refund on my other deferred interest plan ( no interest for 6 months ). So I contacted Paypal credit ( around mid XXXX ) regarding the issue as I am being charged 12.99 % over a transaction that was refunded. They indicated they will apply the refund to the original transaction and the adjustment should reflect on my next statement. 

My statement arrived, and it NOW shows the the original amount of {$570.00} has a remaining balance of {$860.00} with the purchase amount of {$1000.00}. I contacted them for the second time around the end of XXXX and did not get a resolution. I then again contacted them for the third time on XX/XX/19 and till this date still no resolution. 

I am attaching my online statement that shows the purchase amount of {$1000.00} with the remaining balance of {$860.00}. I am also attaching my paper statement in regards with the same transaction, but the same indicated a purchase amount of {$570.00}. I also highlighted the referenced 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 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding is attempting to serve me with papers regarding a lawsuit they intend to bring on me for a debt I owed, and they purchased from, XXXX XXXX. The credit card was charged off by XXXX in the amount of {$3400.00}, in XX/XX/XXXX. I had no idea they sold the debt to a collection agency as I received no notices from Midland. I received a phone call from a process server on XX/XX/XXXX telling me they were looking for me to serve me papers, and the man told me he would be by my house later in the evening to serve me. He never showed up. 

The next day on XX/XX/XXXX, I took a look at my credit report and tried to figure out who would be trying to serve me and for what reason. From looking at my credit report, I can see that Midland must have purchased this debt from XXXX in XX/XX/XXXX. However, I only just now became aware that Midland inserted themselves in this matter because of what I saw on my credit report, so I called Midland to ask if they were the ones trying to serve me. Midland confirmed they are trying to bring suit against me, and I asked them why I hadn't received any notices in the mail before it had gotten to this point. The man on the recorded line admitted that they had a " bad address '' for me, as well as a " bad phone number '' for me, then read me the address he had, and it was off by 1 number. I told him I was not the one that furnished this " bad address '' to them, as my business was with XXXX, not Midland, and I assured him that XXXX   DID have my correct address, as I did receive communications from them previously. The representative at Midland told me now that this had been taken to the extent of a lawsuit, there was mot much he could do in negotiating a settlement. 

I believe this to be unfair, as I never received notices from Midland and I know that had I received them, I would have had an opportunity to settle this amount for a lot less and not deal with a lawsuit. I'm not disputing the debt itself, I'm disputing the way they are going about this. They admitted they didn't have the correct address or phone number for me. And how would they not have my correct address or phone number to contact me regarding the debt, but they had it to give to the process server to attempt to serve me papers? Something isn't adding up here and I want my fair opportunity to settle this debt as anyone else would have had the opportunity if they were at a correct address or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Debt Holdings, LLC
State: AZ

Complaint narrative:
Around XX/XX/XXXX received several phone calls stating a letter would be delivered at my home or employer and would have to have a witness to sign. When called on same day XXXX XXXX from national debt holdings XXXX stated that they would garnish my wages if I did not begin a payment plan that day. XXXX is a payday loan not legal in my state of Arizona. They took out XXXX in XXXX and XXXX every month after until XX/XX/XXXX. They are insisting I pay more now and are threatening criminal charges if I dont pay. I checked my credit report and this loan has never been on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid a contractor in XX/XX/XXXX for a deposit for remodeling. 
In XX/XX/XXXX the contractor sent me an email saying he wasn't going to complete the work and was filling bankruptcy. 
I contacted Citibank immediately and opened a dispute on the charge of approximately {$22000.00}. 
Over the next several months Citibank requested many items of information which I either faxed or emailed to them. 
In XX/XX/XXXX they stated they weren't going to be able to resolve my dispute because they didn't have my claim within 60 days of the last days I received services. This is not true. Being a remodel the contactor was working all the way to XX/XX/XXXX when I filed my claim. 
After not being able to get any assistance from Citibank by phone I opened a complaint with XXXX and I was contacted by XXXX XXXX at Citibank. XXXX worked on my dispute and the claim was supposed to go back to the merchants credit card company in XX/XX/XXXX/XX/XX/XXXX. 
I contacted XXXX XXXX in XX/XX/XXXX when I still hadn't heard anything. He then stated that MasterCard refused to send back my dispute for the original same reason of last days services were'nt received in time ( which is not true ). 
I opened up a complaint directly to MasterCard who instead of speaking with me sent my dispute back to Citibank who then called me once again with the same reason on why they can't help me. I have lost {$22000.00} despite giving Citibank and MasterCard all information requested within time frames requested and am not getting a resolution that I should have coming to me. 
The only fair resolution is I should receive a full refund for services not received. 
Citibank and MasterCard have all documentation sent to them by me and have been unwilling to resolve so I need you to step in and help on this.

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 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is my second attempt at requesting the company to validate the debt in question. It has been more than 30 days and the company has failed to respond to my requests.

Company response to consumer: Closed with explanation