vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have also had problems with Navient and I am glad to see that students are having the same issues and I am not the only out here being spoken to on the phone with them negatively. I have tried making a payment arrangements that would work for me at the time Which was to pay of XXXX and asked if I could pay XXXX because I am paid bi-weekly. They said no and that I needed to either pay in full or pay around XXXX dollars. I have tried getting back into college and I have been out of school since XX/XX/2013 season. I hate that I am pushing my education back because of a fault on my account. I was sick and when I left my university ( XXXX XXXX University ) in XXXX Michigan. So eventually went home to XXXX to try to finish but couldnt get back in the groove because of finances. Maybe something with change and Ill be able to go back to school and study.

On XXXX I had seen a sponsor ad that said Navient had a lawsuit against them and read the article about CFPB and Navient. This is the reason I reached out at the time I did. This is a serious complaint and this situation should no be taken lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This company keeps calling me regarding someone else 's debt. I asked them to stop calling me because its has nothing to do with me. They advise they have me in a database as related to the person with a similar last name. I advised I don't have anything to do with their affairs. 
The lady started yelling at me and advised me she was trying to help me out. I was not yelling at her I was addressing my concerns in a calm voice. 
I told her she isn't helping me out because I do not owe her anything.She got upset and hung up on me. I wish she would keep that same energy and never call my phone again. 
They are harassing me.Seems their debt collection practices are in violation with Texas consumer law.

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 2018-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I used XXXX App to send {$1000.00} to my daughter in XXXX, there were no indication at the time of remittance that there is a problems with my transaction but when it was delayed I checked with the bank ( US Bank ) then I received a 34 page " On line use Rules and Regulations '' to complicate already devastated situation.I want to know from the bank " What is the purpose and Need '' of such a long write up?

1-To confuse 2-To show the authority 3-To hold other peoples money in their account.

It is simply not needed and must be removed immediately.

Thanks XXXX XXXX, XXXX XXXX XXXX XXXX State of Oregon

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi, I sent out a letter to XXXX/XXXX which was delivered on XX/XX/2018 requesting some information that was reporting in error. The response that I received back from this company was very disheartening and I feel like I am being taken advantage of by this company and the credit bureau 's. I am going on about 12 months of trying to fix this issue, and everyone is simply ignoring me and disregarding my request. The letter that I sent to XXXX/XXXX in XX/XX/XXXX clearly stated exactly what I needed to prove to them that the information may be reported in error. However, they simply replied back stating that I didn't request anything in specific. To prove my claims, I've attached the letter I sent, with my request inside of that letter, and also their response from my letter, which came over a month and a half later. This company has a reputation of illegal loan shark transactions and the accounts they set up are with ridiculous late fees, and the billing cycles are set up to increase the likelihood of missing a payment. I am at my wits end with this situation and I need this resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi, I sent out a letter to XXXX/XXXX which was delivered on XX/XX/2018 requesting some information that was reporting in error. The response that I received back from this company was very disheartening and I feel like I am being taken advantage of by this company and the credit bureau 's. I am going on about 12 months of trying to fix this issue, and everyone is simply ignoring me and disregarding my request. The letter that I sent to XXXXXXXX in XX/XX/XXXX clearly stated exactly what I needed to prove to them that the information may be reported in error. However, they simply replied back stating that I didn't request anything in specific. To prove my claims, I've attached the letter I sent, with my request inside of that letter, and also their response from my letter, which came over a month and a half later. This company has a reputation of illegal loan shark transactions and the accounts they set up are with ridiculous late fees, and the billing cycles are set up to increase the likelihood of missing a payment. I am at my wits end with this situation and I need this resolved 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 2018-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Around XX/XX/2016 my lease was ending and I was contacted by XXXX   XXXX XXXX, a local dealer who I leased the vehicle from 3 year prior. They offer to do my lease termination if I purchased a car from them. 
A couple of weeks later after setting up appointment, I went to the dealer, ended my lease and bought a new car from them. 
1 month later world Omni calls me saying I was late on my lease. They had not been notified that the car had been turned in at the dealership. THe dealer ignored my call for a week and finally 45 days later they admitted the had no idea where the car was. 
Once they finally found the vehicle it appeared that the car had been driven by someone during this time. THe financing company said there was wear and tear above and beyond normal and they wanted to charge me for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
the credit bureaus are not abiding to the 30-45 day response on my disputes

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 2018-12-13 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: NY

Complaint narrative:
I have deep concerns over fraudulent practices, no accountability, and poor costumer service at XXXX XXXX. Based on my personal experiences, and after several attempts by phone, I am taking the opportunity to notify in a formal manner my frustrations in reference to the unfair experiences that I had been dealing with for the past five ( 5 ) months.

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS FST PREMIE XXXX paid in full XXXX  XXXX never late INQUIRIES XXXX  XXXX XXXX  XX/XX/2017 unauthorized XXXX   XXXX  XX/XX/2017 unauthorized COLLECTIONS XXXX XXXX XXXX {$1200.00} not mine XXXX {$4600.00} not mine XXXX {$4000.00} not mine XXXX  XXXX XXXX XXXX XXXX  XXXX {$830.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} not mine

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I m having a problem with Equifax I can't see my credit score from them through privacy guard second I try to reach out through them but I can't get through when someone finally answer they can't speak English I would like to know what are they hiding in my report that I can't lay my eyes on. please have them respond to my complaint so that I can resolve what ever problem on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: CA

Complaint narrative:
I have been dealing with this issue for months in attempting to correct the reporting of my account of XXXX XXXX XXXX XXXX when my account keeps getting reported/reflected incorrectly. Each month I discover the account reported negatively, I send supporting documentation to correct the issue. It gets corrected for a month, and then the following month it shows a negative status again. I do not know where the mistake lies, with the credit company or with XXXX XXXX XXXX XXXX but it needs to stop being incorrectly reported and having me spend time and money correcting the same problem over and over again. 

Over the past several months, the negative reportings have been " in collections '', " charge off '', " repossession '', and most recently " partial payment '' used interchangably. I have been paying XXXX XXXX XXXX XXXX at over the required payment for an auto loan consistently and on time ever since I got the loan in 2017. Additionally the vehicle has not been repossessed. It was involved in a motor vehicle accident, and was " totaled out ''.

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 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX sent me a notice that I received on XX/XX/2018 stating that a payment would be automatically debited from my account on XX/XX/2018 and that if I wanted to change the payment, I needed to contact them at least three business days prior to the debit date. I called, and they said there was nothing they could do about it. I lost my job and can not make the payment. Also, they are printing checks against my account, not just debiting my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I applied for a personal loan on XXXX and got the following offer : {$3100.00} loan Payment terms : 47 months at {$350.00} each That comes out to {$16000.00} My mind is blown! 
How are these companies allowed to exist? 
Regulations needs to be put in places to protect consumers. 

Of course I did not accept the loan and want to help protect others from companies like these. 

I have a screenshot to prove it. 

Thank you for investigating this! 
Cheers!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018 around XXXX XXXX, I went to Capital One bank, branch located at XXXX on XXXX XXXX to make a payment using the ATM machine that they have inside of the bank, so I followed the instruction of the ATM and I put XXXX XXXX dollars ( XXXX ) inside the ATM machine.Soon after I put the money in, the ATM went down, I reported that to one of the bank employees who was walking back and forth inside the bank, so she said to me, I should not have any problem, if the ATM read my card, you just can go home and wait for your statement.I did exactly what she said to me. Two weeks later when I got my statement, I was charged for late fee.So the next day I went to the branch and reported that, they had me putting my name on the paper after a few minutes, somebody called me and she called the card number representative to report the issue. they said to me that, they investigated twice, no money was found, the fact that I did not have any receipt and the only evidence that I still have is the footage, I asked them to check the footage, they denied my request. I had to pay them XXXX XXXX XXXX XXXX dollars ( XXXX ) the full balance, the card was closed and they still charging me. However I have not been used the card for 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/XXXX ), TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX paid in full XXXX  XXXX never late INQUIRIES XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh 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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
the credit bureaus are not abiding to the XXXX day response on my disputes

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX  , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, columbus , XXXX. 
Please remove the following numbers : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Visio Financial Services Inc.
State: NV

Complaint narrative:
I applied for a refinance for several investment properties and XXXX XXXX said I was approved after pulling my credit and taking an application. Now they have stopped returning all calls and emails and refuse to give me a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I XXXX XXXX have a collection placed on my credit report with XXXX XXXX XXXX located in XXXX WA. I have never opened an account with this corporation and thay have failed to provide me proof of the alleged debt. This negative information was placed on my credit report on XX/XX/2015 in the amount of {$210.00}. I have been hindered in obtaining a vehicle because of this negative and inaccurate information. I am demanding this account be removed due to lack of validity.

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/18 I submitted a dispute per FCRA to correct incorrect information on my Experian Credit Report per FCRA Regulations Section 623 whereas they remove some of the incorrect names but not all. I am a XXXX, my son is a XXXX.I am living by my full name at birth including XXXX. I have submitted several request on XX/XX/18, XX/XX/18 ,XX/XX/18 and XX/XX/18 with negative results. I can't understand why they continue to list these names i've request to have deleted. Thank You

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