vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted XXXX on several occasions. First for several inquiries that I was not aware of on my report plus being a victim of one of the millions whom information was stolen. I advised them that one account on my record is not mines because I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX of {$990.00}. I am not responsible for this debt so please deleted it from my report. I have contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and they will not removed nor verified the information. I have sent in an inquiry dispute letter on XX/XX/XXXX they sent me a letter stating it was completed on XX/XX/XXXX. I called in to ask why was it completed because there was no way it only took one day to verify the information. I submitted another dispute on XX/XX/XXXX and the same thing completed same day. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer  reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Thanks in advance I have also added a fraud alert to all my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I was having trouble making payments on my student loans and was contacted in XX/XX/XXXX by nelnet who informed me I could have a economic hardship deferment because I was working at a non profit. After discussing this with them on the phone I was made to believe I had received this and moved on thinking I had time to get my finances in order before paying back my student loans. 
Later in XX/XX/XXXX I was looking through an older email account of mine when I saw an email from them asking if I was interested in forbearance which i was confused by because my account was supposed to be already deferred. It said to reply yes to this email if you want forbearance so I did but was confused why I would need to. I received the same email again in XX/XX/XXXX. and replied yes again and was growing more confused but figured my account was already deferred so it was n't a big deal. 
When I recently checked my credit score I saw that it had dropped by a large amount and when I looked to see why it showed my student loans had been late for many months after I said yes to the deferment. 
I contacted Nelnet XX/XX/XXXX and told them about the call where I was told I had received a hardship deferment and the email replies. Regarding the first email I sent I was told that there must have been a problem with their technology because they just received my final email on forbearance. When I asked about the call I had with them where I was told I had a deferment they said they sent me a form in regards to the hardship which was never mentioned on the call where i said yes to taking the deferment. 
When I asked what could be done to address this situation they said I am on forbearance now so nothing is currently due however this does nothing to help with the damage done to my credit. When I asked what could be done to address the damage caused to my credit by the fact I was allowed to believe I had a deferment and my loans had gone unpaid they blew me off and said they would submit a complaint but it would n't lead to anything. I find this particularly frustrating because they pushed me to take the deferment and forbearance and admitted to at least with the email it being their technologies fault but say they ca n't remove the damage done by their mistakes from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: NC

Complaint narrative:
On my TransUnion credit report dated XX/XX/XXXX, there was a hard pull ( regular inquiry ) on XX/XX/XXXX by XXXX. I disputed this inquiry with XXXX, who wrote to me a letter agreeing to request that all credit reporting agencies, including TransUnion, remove this inquiry from my credit report. To date TransUnion has not removed this record, which still stays on my credit report today ( XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a negative dispute on my account that both parties say its their fault that they will not take off. Its been payed. 

Also, I have a legitimate claim on an individual and individuals who claimed they had my mortgage secured. They completely lied about this and my Property was foreclosed. I have all the documents and emails to prove this. 

Lastly, I was involved with two lawsuits and the lawyer who was in charge of these showed no documentation whatsoever. These lawsuits were against ex business partners. I still hold all the emails and legal contracts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: HI

Complaint narrative:
I have two separate mortgages with US Bank on two separate homes. Both loans have the same problem. I am able to pay my monthly mortgage payment online through the US Bank website but I feel I 'm being charged an unfair or unnecessary online payment fee of {$5.00}. The payments are due on the XXXX of every month, but if I make the payment on the XXXX or XXXX they charge me an additional {$5.00} online processing fee. Both loans have until the XXXX of the month as a payment grace period. I called US Bank and asked them why I was being charged the {$5.00} fee and they explained that the fee was because I had n't made the payment on the XXXX of the month. I explained that I was still within the 15 day grace period and did n't want to pay the fee. They informed me that I would n't be charged the {$5.00} fee if I mailed in my payment?? So if I mail in the monthly payment by the XXXX of the month or if I pay online by the XXXX of the month then there is no fee. But if I pay online on the XXXX or later, then I have to pay the fee. I read through my " Truth In Lending '' disclosures from when I got each loan and I do not see this fee disclosed anywhere. Why am I being charged a {$5.00} junk fee for paying online during the payment grace period?? Thank you for your 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 2017-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice Recovery collection agency placed negative marks on my credit for 3 debts {$100.00}, {$40.00} And {$200.00}. 
This debt is not mine, if this is a medical bill my information was illegally shared with a 3rd party company without my consent, this goes against Hippa laws. I am furious. I pay all my bills on time. This caused my Credit to loose 40 points. Please help me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: Financial Credit Network Inc
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX a new account in collections was added to all three credit bureaus on my credit report. The collection agency is XXXX XXXX XXXX. The original creditor says its XXXX XXXX XXXX XXXX. 

This account was added to my credit report with NO written notification sent to my address. Please send an original contract with my signature if this account is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roach & Murtha, P.C.
State: NY

Complaint narrative:
My name is XXXX XXXX and I had a XXXX XXXX XXXX XXXX Credit Card years ago and I fell behind on payments and now i 'm receiving a letter about a judgement filed XX/XX/XXXX from a person saying he works with the law firm Roach and Murtha I paid on the bill as long as I could in the XX/XX/XXXX i was going through economic hardships. why are they sending me a letter about this now 18 years later? Can you look in to this please? the address from the letter is Roach and Murtha attorneys at law, P.C. XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Phone ( XXXX ) XXXX and the person also called me wile I was at work and i could n't answer the phone and left a message a message about any information he collects is for the purpose of debt collection. and he also sent a letter to seize property and any bank account I may have

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've filed multiple CFPB complaints against Equifax for reinserting over and over the same erroneous " XXXX '' inquiry ( see provided attachment ) back on my credit report. Not only did Equifax reinsert this fraudulent information, they reinserted the inquiry three ( 3 ) times as shown in the one attachment. When Equifax removes information per a complaint it takes only a few months for the same erroneous information to show back up despite multiple CFPB complaints and removals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
The reason I am emailing you is because I wanted to ask you some questions or maybe you know someone that can assist me. In XXXX my husband and I took out a loan with one main financial, not knowing the torment that would follow. Now normally I dealt with a lovely women named XXXX XXXX ; whom when I began having income issues due to being out of work because of injuries i got at work, tried to assist me as best as she could. Unfortunately XXXX no longer works there and although they are fully aware of my financial burden they continue to harass me. Calling all day long, threatening me, bullying me, they even have began to call my husband 's job on nivember XXXX, XXXX speaking to unauthorized personnel and faxing papers to them. The person the fax is addressed to is for one not human resources and two not authorized to release my husband 's information. They also called and spoke to this person asking all kinds of questions. I spoke to XXXX whos last name i have been refused and also sent the faxesand informed him he was not to contact my husband 's place of business prior to this. I have had multiple issues with this gentleman, in the end of XXXX the XXXX i believe he called me and stated that if I paid them I believe {$56.00} that he would lower my payments to XXXX $ a month. Now XXXX XXXX, XXXX he called demanding I pay him XXXX $ but they 'll settle for XXXX. When I told him that is not what he told me he began arguing that this is not how it works. I must pay what i owe or hes going to call his lawyer and garnish my hudbands pay, etc. Changing everything he told me and i pointed out that if i knew this was going to happen i wouldnt have allowed him to take that extra money, that I did not have. I was reduced to tears explaining that I can barely feed my family and the amount he is asking for is too high I can pay partial payments but I ca n't afford that amount. I now have my second eviction notice arriving. That is when the threats began and now I do n't know what to do. I also told him I can not currently get a job because I 'm XXXX and due in a few months but once I 'm working I would resume normal payments. I ca n't sleep and I listen all day for a tow truck to take our only means of transportation ( they are not our auto loan carries but that is one of the threats he has told me ) Or I wait for my husband to come home and tell me he got fired due to their harassments. I had to borrow money from his job just to give them the XXXX until i get money from unemployment so he wouldnt harass me that weekendand now I ca n't even feed my family.He also had the audacity after I paid him to say enjoy your XXXX in a smart way knowing he just put me through XXXX. The harassment then resumed on Tuesday XXXX XXXX, XXXX and they have not stopped calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: MO

Complaint narrative:
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 2017-12-04 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: MO

Complaint narrative:
I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 2017-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
The school I was going to was a waste of student loans. The school was not teaching everything needed they only wanted the money. I graduated from the school but it has been very hard to find a job in my profession due to the lack of knowledge that was paid for but not taught.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My daughter was attending college up until XXXX, I had moved from XXXX XXXX to XXXX in XXXX. In early XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told Nelnet that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. Nelnet did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in from Nelnet all hours of the day and night. The reports that Nelnet have made and continue to make to the credit buearas are false, when I explain to them it was an oversight and try to correct it, Nelnet again starts swearing and telling me that they are there to ruin my credit score across the 3 bureaus and make sure I do not obtain a job. In fact when I have tried to work with Nelnet to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I " apply at XXXX that they are always hiring. '' This only scratches the surface of the horrors and harassment that Nelnet does and I am prepared to show you evidence of their repeated phone calls after hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Account # XXXX Ally Bank XXXX XXXX XXXX was turned in early on XXXX/XXXX/XXXX with a full maturity date of XX/XX/XXXX1. ) dropped off and filled out lease retun with XXXX XXXX in XXXX, MA. Dealer never returned paperwork to Ally. I provided copies to Ally 3 weeks later after calling 2. ) I  received a final bill for wear/tear inspection on XX/XX/XXXX for {$310.00}. I paid on XX/XX/XXXX and was cashed on XX/XX/XXXX. Check # XXXX 3. ) I purchased a new lease and the dealer ( XXXX XXXX XXXX, Associate name XXXX ) and the return debt for the XXXX lease was {$2000.00}. This was confirmed with both myself and new sales man. 
4. ) I have reached out to Ally on three occasions asking to settle and finalize the {$2000.00}. XXXX. They all state account is closed nothing owed. 
5. ) On XX/XX/XXXX I received a credit alert impacting my credit from Ally Bank for a debt of {$3000.00}. 
6. ) the amount is incorrect on all accords and the company states I owe XXXX. Nobody can resolve and my excellent credit has now been tarnished

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed complaints about my credit score going down from XXXX to XXXX for no good reason. I just noticed they have the wrong address on my transunion report. It erroneously lists XXXX XXXX XXXX, XXXX XXXX, ny XXXX as the address. 
My address where I own a home is XXXX XXXX XXXX XXXX XXXX, ny XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Closed checking account have private and public sides, after when public side account closed, private side still exist for another three years with a funds what is on my name, I try to used them, but two checks was processed as EFT, but rest of another checks was processed by the banks as ACH, and was revised because processed on public side not on private side, I called to the banks customer service, never met understanding of matter, manager in TD Bank also, very confusing manner responded, I sent certify letter to CEO of the bank, he never respond back, all mail going through computer system process. I need to know, is it Bank try to still my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC

Complaint narrative:
... I have been seriously injured and I ca n't afford to make but half of the payment I 've tried to work with them and all they do is threat to take my car Im XXXX and I financed a car through unifor finance been a lolyal customer I 've made every payment for 7 months {$470.00} until I was taken out of work plus the down payment of {$500.00} if they want to give back all money so I can get a car I have to have a car for Dr appt and grocery store, pharmacy its illegal to treat XXXX people this way

Company response to consumer: Closed with explanation