vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-12 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: CA

Complaint narrative:
Experian is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same as me but does not belong to me its. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once wit their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends and there is also another XXXX XXXX at my employer. 
I've contacted Exerpain via certain mail three times over the last two years. Each time I contacted me they say they verifies as accurate. I don't know how this could be I showed them the papers the collection agency sent me which have nothing on them to verify it is indeed me. 
I have also contacted XXXX, XXXX, XXXX XXXX three times via certified mail three times. they only bothered to reply to me once with the supporting documents that did not have anything to identify they are collection from the correct XXXX XXXX, Nothing with my driver 's license, SSN # or my signature. 

I am attaching all my letters and documents from both Experian and XXXX, XXXX, 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 2018-04-12 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: TX

Complaint narrative:
I have sent countless letters, followed by phone calls and emails trying to fix numerous errors on my credit file. Experian is not abiding by the FCRA in showing correct information on credit files, nor are they providing accurate feedback within the 30 day allotted time span. I have errors on my file that need to be corrected promptly, rather than their generic responses. 

1 ) Experian has a past address that does not belong to me, upon research it belongs to some life insurance / consulting company. 
XXXX XXXX XXXX XXXX  XXXX, OK XXXX ** I have never in my life lived in Oklahoma ** REMOVE 2 ) Experian shows a company named XXXX XXXX XXXX, Account XXXX ** Looking at my files, I do not have anything in my name with this company or account number. I have never signed any sort of contract with this company ** REMOVE 3 ) Experian shows my XXXX XXXX, Account XXXX, shows to be late on multiple occasions. 
** I have never been late with this account, ever ** CORRECT 4 ) Experian shows my XXXX XXXX, Account XXXX, shows to be late on multiple occasions. 
** I have never been late with this account, ever ** CORRECT 5 ) Experian shows my XXXX  XXXX XXXX XXXX, Account XXXX, shows to be late and is reporting incorrectly. 
** I have never been late with this account, ever ** CORRECT 6 ) Experian shows an account XXXX, Account XXXX on my credit file. I have never signed any sort of contract with this company and not familiar with this account number ** I have no clue what this, but it does not belong to me ** REMOVE

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 2018-04-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have an account on my credit report XXXX and Equifax from XXXX XXXX XXXX XXXX that was settled in court. As part of the settlement this account was to be removed from my credit report. XXXX  removed the account but XXXX and Equifax will not. I realize this account has little impact on my credit score but it is the principle that counts to me. 

I worked for XXXX XXXX at the time and they filed bankruptcy and I had to take an {$8.00} an hour pay cut with zero notice. My car got repossessed, I almost lost my house and I had to sell many of my possessions to make ends meet. But I never filed bankruptcy, I paid all my Debts. Its been 12 years and it is still impacting my credit. 

Why is it that the people who filed bankruptcy or simply just walked away from their house have better credit than the people who weathered the storm and paid their bills. 

I ask that you please remove this Item from my XXXX and Equifax credit report thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have an account on my credit report Experian and XXXX from XXXX  XXXX XXXX XXXX that was settled in court. As part of the settlement this account was to be removed from my credit report. XXXX removed the account but Experian and XXXX will not. I realize this account has little impact on my credit score but it is the principle that counts to me. 

I worked for XXXX XXXX at the time and they filed bankruptcy and I had to take an {$8.00} an hour pay cut with zero notice. My car got repossessed, I almost lost my house and I had to sell many of my possessions to make ends meet. But I never filed bankruptcy, I paid all my Debts. Its been 12 years and it is still impacting my credit. 

Why is it that the people who filed bankruptcy or simply just walked away from their house have better credit than the people who weathered the storm and paid their bills. 

I ask that you please remove this Item from my Experian and XXXX credit report thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 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 2018-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was granted both a bank account and credit card by XXXX XXXX. A {$350.00} charge was declined at my doctor 's office and since then my card has been restricted. I have called XXXX XXXX countless times and been told it is " under review '' every time. I have been offered call backs by a manager about 5 times ( or more ) but never received one. This has now been going on for around 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: NJ

Complaint narrative:
Navient did not send me a warning that my IBR plan was expiring and did not send me a bill when my payment was due. When I tried calling it said they were " temporarily closed '' and did not say when they would re open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
my mortgage company miscalculated my escrow account for XXXX. That in turn increased my mortgage payment a great deal for this year. They tell me that it was because my escrow is calculated in XXXX and since my home owners insurance was not due untilXX/XX/. They told me RESPA does not allow for payments to be taken out if the payment is not due with in 12 months. I attempted to look up the RESPA laws.I did find that in section 1024.17 (c)(9) explains that if a bill is due more than 12 months away that the escrow payment should be calculated according to how many months away the payment is due. So Im my case the insurance should have been calculated for 14 months. I asked them to explain it to me but all they did was send the same letter that says payments can not be taken out for more than 12 months. I want the law that supports their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was checking to get a lower interest rate I ha a 19.9 % interest rate for a car that cost XXXX  with capital one for 72 months at XXXX  a month since XXXX 2017 ... ..so i began looking into refinance at a lower interest rate .... I was amazed to see that capital one was listed who I already have been paying for 12 months which I only have 60 months of payments left yet they were offering me a lower int rate of 8.79 % for another 72 months ... .. I believe this is unethical and illegal to add the 12 months I already paid start me with a new loan and its office collect an additional XXXX in interest. I request that capital one lower my interest rate to 4 or 5 % for a term of 60 months due to its unfair and unethical lending practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX being reported 30-59 days late as of XXXX XXXX,2018. According to XXXX they have not updated report and when this was placed on the report by Equifax it was a weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
XXXX XXXX  operating Manager XXXX XXXX and XXXX XXXX are receiving proceeds that are being disbursed by XXXX.THE FOLLOWING PARTICULARS APPLY COUNT I 1 XXXX XXXX XXXX XXXX (XX/XX/XXXX ) VEHICLE PROGRAM COVERAGE PRO RATED DUE TO TOTAL LOSS 2 XXXX XXXX XXXX XXXX ( NEW ) LIEN HOLDER FORD CREDIT.

I3. NFER TO BREACH OF CONTRACT TO BOTH COVERAGES BY XXXX XXXX.

WHRN RECIEVING SERVICES FOR TIRES THEY ONLY REPLACED ONE TIRE.HOWEVER BOTH TIRES EITHER FRONT OR BACK WERE REPLACED WITH ONE TIRE. XXXX XXXX  KEPT OTHER 3 TIRES.

COUNT II 4.TRANSMISSION WAS NEVER REPAIRED BY XXXX XXXX .

5.RECIEVE LETTER RELATING TO TRSNSMISSION MODULE BY FORD MOTOR .

6 FEDERAL COURT CASE PENDING FOR XXXX TO BE REFUND TO CUSTOMERS 7 XXXX PURCHASE CHRCK ONLY WERE TO BE ISSUED TO INDIVIDUALS OWNING XX/XX/XXXX XXXX XXXX HOWEVER BREACH OF CONTRACT INFERS TO upon performance incur failure to perform a discretionary function or duty to terms conditions of contract.

U.S.C. 1346 ( b ). Thus, both federal and State law may impose limitations on liability. The FTCA exempts, among other things, claims based upon the performance, or failure to perform a " discretionary function or duty. '' The FTCA also exempts a number of intentional torts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: ERC
State: NY

Complaint narrative:
On XX/XX/XXXX I faxed a VALIDATION letter to a company trying to collect on a XXXX XXXX XXXX   bill. I have never in my life had XXXX XXXX XXXX for about 12 years I have been with XXXX. I asked for validation be sent to me with a signature of the owner of the account. I asked them to provide me within 30 days and if they could not provide the proper validation that they must cease and desist on all collections and remove any non validated information from my credit reports. I got a response and the letter is dated XX/XX/XXXX ( past the 30 days ) and all they sent was a copy of a bill, that I asked them not to send a " bill ''.

I want this collection agency to remove me from their system and remove all negative remarks on my credit files. Attached is what was sent an it is not VALIDATION!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX  responded with a document showing that they NEVER received payment from me sinceXX/XX/XXXX ( please see attached document showing them saying I never paid ).

I have made payments to XXXX in XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX ( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed in XX/XX/XXXX, when the account was closed inXX/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 explanation
Consumer complaint received 2018-04-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX  responded with a document showing that they NEVER received payment from me since XX/XX/XXXX ( please see attached document showing them saying I never paid ).

I have made payments to XXXX in XX/XX/XXXX and XX/XX/XXXX( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed inXX/XX/XXXX when the account was closed inXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: GA

Complaint narrative:
XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XX/XX/XXXX responded with a document showing that they NEVER received payment from me since XX/XX/XXXX( please see attached document showing them saying I never paid ).

I have made payments to XXXX  in XX/XX/XXXX and XX/XX/XXXX( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed inXX/XX/XXXX when the account was closed in 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 explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX  ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXXmy loans were serviced via Nelnet. I was wrongfully terminated from my employment and asked for unemployment deferment / forbearance. I was told it was granted. I was told it was for up to 3 years since I was also undergoing medical care at the Veteran 's Hospital. In the meantime I filed suit against the XXXX for wrongful termination and XXXX  discrimination. My suit was resolved in my favor the Summer of XX/XX/XXXX. I am now a XXXX ( XXXX employee ) for the XXXX XXXX XXXX XXXX XXXX. Upon renewal of my clearance it came to light that my student loans through Nelnet had been sent to XXXX XXXX XXXX a collection firm for the Department of Education and placed in default status. I contacted Nelnet and was referred to XXXX XXXX  to resolve the issue even after it was determined that whoever placed my loans in forbearance only did it for a month which was puzzling. I have sent XXXX XXXX  a copy of myXX/XX/XXXX XXXX  form showing my gross income before expenses as well a bank documents detailing both company expenses and personal expenses to satisfy the proof of income requirements to arrive at a standard payment plan amount. We agreed on {$350.00} per month and the first payment was debited on theXX/XX/XXXX. XXXX XXXX  is now attempting to increase my regular payment using the gross amount on the XXXX without using any of the bank documentation proving my expenses and refuses to accept bank statements instead of cancelled checks. They also have had me upload Health Insurance documents which include the personal data of my family members which is subject to both HIPPA and Privacy laws. At this time I acknowledge I owe the debt but XXXX XXXX is violating privacy laws and refusing to act in good faith. Today, I received a letter stating that they were still using my gross income instead of my adjusted gross income which arrived in a handwritten envelope without a complete return address stating that it was from XXXX XXXX XXXX. This is a violation of the Debt Collection laws as anyone or entity attempting to collect a debt must truthfully identify themselves to the party which owes the debt. An incomplete address, without the name of the entity, does not satisfy this requirement. I need Nelnet to correct the error on the length of forbearance and have the Department of Education recall my loan back from XXXX XXXX XXXX and return it to Nelnet for proper servicing. At this time Nelnet stated they do not know how to go about it although this is the direction I was given verbally by the Department of Education. At this time all parties are dealing in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: AZ

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX  FL XXXX  ( XXXX ) XXXX Account opened ( NOT BY ME ) and used twice with no payments made disputed with Transunion and they would not remove because the account was used twice Opened in XXXX 2018 I believe. This is an account I have not opened or authorized to open and I can not even file a second dispute because they have not closed the first one. I has cost me 80 points on my credit score. Can you help please

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