vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 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: LA

Complaint narrative:
I contacted attorneys XXXX, XXXX XXXX XXXX, XXXX because Experian has continued to allow 2 companies ( XXXX XXXX and XXXX XXXX XXXX ) to report on my credit when neither company has any documentation that gives them the right to report ANY history such as a signed application, or any file with my social security number. XXXX, XXXX XXXX XXXX, XXXX sent me a letter in XX/XX/2017, from Experian to fill out requesting my personal information and my concerns. I sent it to Experian certified mail on XX/XX/2017. I checked USPS Tracking which showed that Experian signed for it on XX/XX/2017 which began my investigation in accordance to FCRA 611 ( a ) ( 1 ) ( A ). I received two notices of disputes in the same envelope from XX/XX/XXXX ( 30 days after receiving my dispute ) stated that XXXX  was removed and XXXX XXXX shall remain and the other from the following day XX/XX/XXXX stating that XXXX was added back on which is in violation of the FCRA 611 ( a ) ( 1 ) ( A ) as well FCRA611 ( a ) ( 5 ) ( A ) that information deemed inaccurate or incomplete or can not be verified information to be removed and FCRA 611 ( a ) ( 5 ) ( B ) ( i ) that if this information is be reinsert that it must be CERTIFIED. In the notice of dispute there is no mention of the information for neither company is shown how it was certified in accordance to FCRA611 ( a ) ( 6 ) ( B ) ( iii ). I have contacted both companies personally and neither one has OPEN nor CLOSED ACCOUNTS or PAPERWORK that matches the information displayed by Experian.

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 2018-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient has recently taken over my loan that was not originally contracted with them. They have given false information on bringing my account up to date and had also been contacting a number out of service and never reached out to my secondary number when notified. I am still in school and was told if i made a forbearance payment of XXXX dollars my account would be up to date - now theyre telling me that the month of forebearance needs to be paid so i was delinquent. This has already affected my credit score once due to their neglEgence and i will not allow this to happen again. They are not even the company i had chosen to take the loan out with they bought the loans to my understanding and i do not like their customer service or the way they handle situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I believe that someone stole my identity and this loan belongs to someone else.

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 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I believe that someone stole my identity and this loan belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I believe that someone stole my identity and this loan belongs to someone else.

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 2018-02-06 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 — Problem with personal statement of dispute
Company: CORELOGIC INC
State: NY

Complaint narrative:
Inquiries affect your credit score typically weighing it down to a negative 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 2018-02-06 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 — Problem with personal statement of dispute
Company: William D. Meeker Enterprises, Inc.
State: NY

Complaint narrative:
Inquiries affect your credit score typically weighing it down to a negative impact ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient has collected {$12000.00} from me over the past year in payments toward federal and private student loans. {$11000.00} went toward interest only payments and only {$700.00} has gone toward the principal balance. I continue to accrue > $ XXXX/month in interest. There is no foreseeable end to this repayment plan because my principle balance has not gone down. In the past, when I have not been able to make payments due to being in school or being in between jobs, they have offered me deferment plans that have only allowed my loans to accrue more interest. Each time I call Navient they are unable to offer me a viable repayment option that does not result in me continuing to acquire debt with them while paying > {$1000.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
There has been an unauthorized inquiry from Huntington Mortgage on XXXX/2018 that has been posted on my credit report. I have contacted all three credit bureaus to have the inquiries removed, but all have failed to assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GMA Investments, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a phone call at my place of employment. I called back. The representatives were very rude and disconnected the calls each time. Each time that I called, I provided the number that they called and asked that they no longer contact me on that number and that they send any communication with me via writing. Each time I made this request they hung up. I told the last representative that I would be reaching out to determine my legal options. She told me to call my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
i am getting constant harassing phone calls and repeated threats from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
approximately a month and a half ago started receiving calls from a debt collection law firm for a person who i do not know..this went on everyday ... .it was a computer generated call ... .they have the nerve to tell me if this is not me i should not listen and hang up and call them ... .i believe this was total harassment on their part..also an invasion of my privacy and an unfair business practice. 
my time belongs to me ... if they want to find this person ... let them have a human find him ... not put this on innocent..excellent creditworthy people who have to be subjected to this unethical practice to make money .... 
they think they are winning, because ultimately the only way the calls will stop is when you call them ... ..i don't work for them..they aren't paying me. 
just think if all debt collection companies did this!!!???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am writing in regards to Credit Collection Services Account # XXXX. 
After my conversation with them on XX/XX/2017 my account was settled for the amount of {$480.00}. During my conversation with the representative. I, requested for the file to be removed from my credit report. The representative at the time agreed that the debt would be removed 30 days after the payment was receipt. The agency never send me written confirmation of our phone call agreement nor contact me via any means to inform me that the account was reported to the credit Bureau. I had to contact the credit agency my self and request a copy of my credit report. Upon receiving my report, I noticed that the agency did not put a request to have the account removed from the credit file. I contacted them immediately and they completely denied that they agreed to have the account removed from the credit bureau file. I explained to them my circumstances that I am in which is unemployment and the sacrifice I made to pay this bill.They were unwilling to cooperate with me after they received the payment. Their answer was if you want us to remove this account from your credit file you, will need to pay additional money to our agency. At this point I believe that my rights as a consumer have been violated as I was given false or misleading information in regards to the way my account was suppose to be handled. I would like to have the support of this agency to assist me with the matter as I would like to have my credit file without this collection remark.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
My mortgage servicing provider ( XXXX ) is supposed to pay my Hazard ( Homeowners ) insurance from an escrow account. My XXXX ( underwritten by XXXX  ) policy was going to lapse on XX/XX/XXXX if payment was not remitted. I followed up with XXXX at the end of XX/XX/XXXX and they indicated they had not received a bill for the insurance renewal. I contacted XXXX and they faxed the renewal bill to XXXX. On XX/XX/XXXX I  paid the insurance policy in full ( {$840.00} ) to prevent a potential lapse. On the same date, XXXX paid {$680.00} to XXXX from my escrow account. 
I have requested a refund from my escrow account for the partial unpaid amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I ordered products online on 4 separate occasions in a one month period. The first was offered at 9 % interest for a 24 month period. The subsequent 3 loans were 6 month zero interest if paid in full. 
When payments are made, PayPal only allocates payments to the first 2 loans. Since the first two loans are the highest balance, I will never be able to pay off the second 2 loans prior to the 6 month time period. I have paid two months in excess of the minimum due and have asked that these excess amount be applied to the last two loans ; however with repeated attempted all I get is an automated response that is unrelated to my issue.

I believe PayPal should allow me to direct application of any amounts in excess of the minimum due at my discretion. If not, PayPal will have effectively forced me into paying retroactive interest on at least the last two loans, and probably the send zero interest loan because payments will not be applied at my direction. 
As a borrower of this money, I see these as three separate loans to be paid as I desire. If PayPal considers these a single loan with different offers, then monies should be applied equally across all loans ... .but either way, I should be permitted to direct excess payments at my consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I pulled up my credit report in the end of XX/XX/XXXX. I noticed with the credit bureau, XXXX, there has been some hard inquires by the creditor CBNA. I have not applied for any credit cards or anything from CBNA for the dates of the inquiries. The inquiry dates are XX/XX/XXXX and XX/XX/XXXX. I contacted CBNA ( Citi Bank ) and spoke with a representative on XX/XX/XXXX about doing a credit reporting dispute. The representative seem to have doubts in what answer to provide me for a solution. He then proceeded and advise I fax a letter to a fax number that was provided. I, the consumer, had to initiated and ask what information do I need to provide in this letter to fax. Due to my lack of confidence with the representative and felt there was no resolution I am filing a complaint.

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 2018-02-06 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: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Nationstar/Mr. Cooper sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with Nationstar/Mr. Cooper, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I repeatedly receive calls from this company. They leave voicemails with dead air. Every time I call back, I tell them I am disputing this debt. Today they have already called three times. Each time is a different phone number. Ive called them back twice notifying them I have disputed this debt with the original creditor. I then ask to be transferred to a manager. Said manager rushes through his name therefore I am able comprehend him. Once I tell him Ive disputed this multiple times with this company and the original creditor, he then says they will remove my number from their call list. I then receive another call from the same company, different number calling about the same debt.

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 monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NC

Complaint narrative:
I pulled my credit reports, only to find that some agency called ERC ( XXXX XXXX XXXX ) had placed a collection on my credit report for XXXX XXXX on XX/XX/XXXX for {$380.00}. I have no idea what this is for or who this is. I have not received anything in the mail concerning this matter. I am sure that is just an oversight or error, but this needs to be handled asap.The information documented on behalf of this collection is incorrect and insufficient. This company is not in compliant with the FCRA which they stand by accuracy, fairness and privacy. I spoke with XXXX XXXX on XX/XX/XXXX at XXXX XXXX and she said that the company was sorry about this and she would dispute this and have this item taken care of. I do not have a contact or any other documents from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity was stolen and a credit car was opened fraudulently in my name Bank name : XXXX XXXX XXXX XXXX. date open :XX/XX/2016 balance : is XXXX I have Provided FTC affidavit, police report and all documentation to credit Bureau experian has not taken this account of my credit and they are giving me a hard time this is now affecting my credibility and my reputation

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 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
We reached out to RPM LLC, Receivables Performance Management LLC, to pay a debt owed from a XXXX XXXX. We were given an offer for the debt and we paid it, the orignal debt was for roughly XXXX and we paid XXXX in the settlement offer. The very next day we saw on our credit that they put on there we owed the remaining balance of XXXX dollars. When we contacted them they said our manger has to approve and it will get updated, but there system updates every Saturday. The next 3 days they put the same amount on our credit, so its now on there 4 times, so obviously there system updates when they want it to. We try calling them and they either hang up on us, or put us on hold. This is not fair or legal practices and they should not be in business!

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 2018-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I sent a wire transfer of {$27000.00} on XX/XX/XXXX, to Coinbase/XXXX. As of XX/XX/XXXX, it has still not been credited to my Coinbase/XXXX account and it has also not been refunded to my bank account. 

I filed a ticket with my bank ( XXXX ) on XX/XX/XXXX to have the wire recalled. Since that date XXXX has sent more than 20 messages to Coinbase 's bank and none of them have received a reply. 

I have also filed online tickets with Coinbase 's support ( case ID : XXXX ). After waiting several weeks, these inquiries have all received a form-letter response, after which my support ticket was closed. I have re-opened the ticket requesting more information, but have received no response. 

According the form letter, my wire was apparently rejected. The form letter says that all rejected wires " will be returned to the originating account after several business days ''. 

It has been more than 1 month since my the wire was sent, and there is still no sign of the funds being returned to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have been working with XXXX XXXX, now Navient to keep my payments within a reasonable range for years. At first they were able to put my payments in forbearance ( 6 or 7 years ago ). They said it only puts the payments on hold until I am able to afford them. At the time I was making very little money on a commission based job. That never mentioned it would raise my overall loan amount significantly. Eventually I began making enough money to pay them back and they enrolled me in a program to pay about $ 200/month or so. I do have other student loans I am paying off as well. This was working for me for a while, but I noticed my total loan amount was not going down. Apparently all I was paying was the interest. I was young, fresh out of college, and didn't know the questions to ask until later in my life. I've now been working with Navient and they are not able to get my payments into a reasonable amount anymore. I've been paying over $ 500/month for the last couple of years. They are telling me that they can no longer do this and beginning in XXXX my payments will become $ XXXX/month. I can hardly afford the payment now. We had a XXXX about a XXXX  ago who has had many XXXX XXXX and caused a lot of medical bills. I am trying to stay above water and Navient seems to show no sympathy. I did some research and saw that there are lawsuits going in and I'm hoping maybe something will happen to help me and my family. In my opinion, my XXXX   comes before my student loans. I make enough money to not get help, but not enough to afford what they're asking. Navient has been rude every time I call when all I am doing is asking for help. I want to repay my loans, I don't like asking for help, but I've finally given in. When I called this morning to try one more time they suggested I look into getting a second job. I work over 50 hours per week, sometimes I'm traveling Monday-Friday for work. My wife stays home to take care of our XXXX  and ensure he gets the care he needs. I like how they feel they know my life and situation better than I do. If there is anything that can be done, please let me know.

Company response to consumer: Closed with explanation