vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgements and bankruptcy listed on my credit report were not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Experian was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information  may  have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgements and bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 2017-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: UT

Complaint narrative:
My husband and I were trying to get a modification on our house and that back in   XXXX   XXXX   is when filed for this with our HUD certified mortgage modification  counselor.  We in default on   XXXX   XXXX   because we still could n't pay in full and the modification was denied. So filed appeal because they had said that the VA said that we are in the negative balance of {$80.00} and that is what  Sun West h ad told my HUD  counselor.  I turned in the appeal so this papers were in and with all the proper documents and adding income with extra dependent that I have legal guardianship of her. So then they ask for more on   XXXX   XXXX   and extra documents plus more info on my dependent. Like Social Security info and her account info from bank.   Then in   XXXX   XXXX   they asked more specific paperwork for my dependent like if you  may pr ovide her birth certification. I just send the award letter for Social Se curity Office an d thats it.   In  XXXX  they asked again but in this wording we will require copy of birth certification or any other documents to verify the dependent 's birth date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt has been removed from my credit report several times and  XXXX  keeps reinserting them. Sometimes within hours of finding they had been removed. Other times  XXXX  has " sold off '' the account to a subsidiary and reinserted the debt as if it were new!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I decided to check my reports from all credit bureaus for accuracy after a recent fraud alert scare. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian via phone and certified mail and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.  XXXX   X/XX/XXXX  2.   XXXX    XX/XX/XX , XX/XX/XXXX , XX/XX/XXXX  3.   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX  4.  XXXX   XX/XX/XXXX  5.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  6.   XXXX     XXXX    7.   XXXX    XX/XX/XXXX  8.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  9.   XXXX   XXXX   XXXX    XX/XX/XXXX  10.  XXXX   XX/XX/XXXX  11.   XXXX    XX/XX/XXXX  I have now locked my credit reports until  I am ready to utilize.

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 2017-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In   XXXX   I contacted  XXXX   XXXX  because my employment situation changed and I was unable to afford the payments as they were to be made. I made SEVERAL calls asking if I could make payments in the amount of $  XXXX  month as it was all I could afford. I was told EVERY time that I was required to make the entire payment and if I could not afford it, I should apply for deferment or forbearance. As of 2 months ago, I was UNAWARE of  XXXX   XXXX   XXXX . Since I learned on it, I have been placed on plan that allows me to pay $  XXXX  month. That 's how dire my situation was/is. This is shameful. Additionally, I was able to attain additional loans through  XXXX   XXXX  for  XXXX   XXXX , even though I was unable to pay on the  XXXX  loans I already had. Predatory lending?????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nations Recovery Center
State: IL

Complaint narrative:
Nations Recovery Center keeps calling my elderly parents and scaring them with debt that I might owe. they are not providing information but calling and hanging up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AZ

Complaint narrative:
This is a complaint from  XXXX   XXXX  again st Mercantile for Mercantile 's fa ilure to provide requested information for the debt alleged. On   XXXX   XXXX   XXXX      ( consumer )   XXXX   XXXX , received a demand letter from creditor,  Mercantile.  On   XXXX   XXXX   XXXX    , consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact  ( s ) ; b. Any notice ( s )  of assignment or receipt of sale of the debt alleged ; c. Any not ice ( s ) of d elinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ;  f. Proof th at you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.    Mercantile res ponded on   XXXX   XXXX   XXXX     providing only statements, and no chain of title. On   XXXX   XXXX   XXXX    , consumer ( through legal counsel ) responded asking for a chain of title. It has been  Over 6 w eeks since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of  USC 1692, and oth er federal acts which require lenders and deb t collectors to a ct in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On the morning of the  XXXX   XXXX  I realize my debit card was not in my possession. On my way to work I stopped at citi bank branch on  XXXX   XXXX   XXXX   XXXX ,  XXXX  to request that they cancel my card and issue me a replacement card but I was n't able to recieve one at the location due to their machine being down as I was told. So I visited a bear by branch on  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX  to request a replacement card also. But unfortunately the machine was down also at the branch so I after speaking with the representative I decided to recieve my new card in the mail. Later on the evening I get a email from citi bank in regard to a few transactions citi bank considered to be fraud activity and to contact them immediately if those transactions were not mines. At that point I 'm so confuse because I thought that card was canceled. So after speaking with someone from  Citi ba nk dispute department they explain to me the someone use my card in  XXXX   XXXX  then I was told they would credit my account the money that was taken. The next day I recieve a call from a  investigator with question about my claim and if someone had knew my 4 digit pin and would I get a police report if needed. Long story short the denied my claim 3 times and every 3 times they ask for me to provide additional information to help with the investigation in my favor including the police report I got after the first two claims! This is my fourth claim I open with them about this matter and no one at Citi bank have yet to tell me how was my card used when it was suppose to be blocked and canceled. Citi bank continue to use the fact that my pin was use to make these transitions as a justifiable way to deny my claim I 'm not sure how that person got my card or pin or even who it even might be. Citi bank refuse to take responsibility for not blocking my card when I requested them to do so earlier that afternoon before these transaction happen and each time the I 'm given the run around as if they hope I just give up but I will conitue to fight and hope  that you guys will join me in this fight!

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 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have never received medical care at this facility.

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 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: MN

Complaint narrative:
First - it took 3 years to consolidate because  Fedloans h ad trouble getting someone to process paperwork, they requested multiple copies of documents due to lost forms by them. Now,   XXXX   renewal of  XXXX . Was sent documents  XXXX , not due til  XXXX  ... .posted on site    XXXX   . Documents they gave to me and documents requested. It is now    XXXX    and I have been calling them each week. A supervisor states each time documents are correct and complete. They do not understand why this has not been completed yet ... .my payment should be  XXXX  same as last year. Now I am crying everyday, I am a single mom and found out today they are denying and wanting same paperwork again. They are going to take  XXXX  out of my account because they can not process paperwork and I will lose my home because of the payment and  Fedloan  not doing their job correctly. having trouble typing cause I am crying. Is there someway of making this go away? I can not handle this every year ...  .the threat of losing everything because they are incapable of doing their job ... PL EASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TekCollect Inc.
State: TN

Complaint narrative:
I originally calle d Tek Collect to resolve my  debt. I asked to settle the debt and was told that I could not. I then asked her if I had an offer could she go to the client and see if they will accept. She said that she could. I advised her that she had told me a fib and I would call back and talk to someone else. I then spoke with  XXXX   XXXX  I tried to explain the call I had with the previous collector but he kept interrupting me to the point I could not talk so I told him  goodbye. I th en called the client  XXXX  and  XXXX   XXXX  home and offered them a settlement and they accepted it. I went Monday,  XXXX / XXXX /  XXXX  , and paid the bill. I then called  Tek Collect b ack to let them know I had paid it and spoke again with  XXXX   XXXX . I explained to him that because he would not let me talk that I went to the client myself and made a settlement payment and he then told me that I did not hear what I wanted to and that is why I was mad. I asked to have it deleted from my credit, he then told me that he did not believe I made a payment and that I was lying. I asked for his email, he would not give it to me I asked to talk to a supervisor, he told me that we were not playing that game and he refused to transfer me. I told him that he did not verify me, mini  XXXX  or tell me the call was recorded. I asked again to transfer me to a supervisor he would not. I called back four more time and was either hung up on or transferred to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
I only owe {$33.00} they have n't showed that I been paying on this collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I called  Automobile Acceptance bec ause I am trying to fix my previous mistakes from 5 years ago. I am in the process of getting a financial license that requires me to explain past financial mistakes. It requires me to show proof that a debt has been paid, proof that a payment plan has been established and t hat 3 current pay ments have been made, or prove the debt is not mine and dispute with creditor and credit agency. I called  Automobile Acceptance aft er 5 years of not dealing with them. The account shows as a repossession, which it was, and I have not received a call or a piece of mail since the repossession. I have had the same phone number the entire time, since   XXXX  . I called them to discuss a payment arrangement and was offered an arrangement of 60 % of the balance for {$120.00} a month, or 50 % of balance for {$150.00} a month. I asked if there was anyway to do a weekly arrangement of {$40.00} a week so I can show that I have m ade 3 payme nts to the GA  Dept of Banking and Finance so I can proceed with my life and future employment endeavors. I was the n accused of wanting to pay jus t 3 payments an d then not pay them again. I never once said that. They said that they could not offer weekly arrangements. I was then sent to a supervisor ...  XXXX , the  Legal Manager. After much back and forth, she put me on hold and said I could pay {$50.00} a week, but it   would be on the entire balance of {$4600.00}.     They have not attempted to contact me for 5 years. I contacted them to try to take care of the deficiency balance. I never even received a letter stating the remaining balance after the sale of the vehicle. I want to work something out with this company, but it just reminded me as to why I regretted buying the vehicle in the first place. They prey on people in need and over price their cars and then charge you a ridiculous interest rate on top of the overpriced car. Its my fault that I did it, but I am trying to take care of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Ive  am sti ll paying for a Student Load  (   XXXX   XXXX   XXXX   ) si nce   XXXX    .The original loan was    XXXX  Dollars I am still paying extremely high late fees and high interest for over 20 years later for this loan due to a default. .I make prompt monthly payments.Can you help help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
While XXXX on XXXX XXXX due to a complicated XXXX, my lender , XXXX XXXX, was allegedly sold to XXXX XXXX XXXX. I file Chapter XXXX Bankruptcy due to the hardship, and XXXX XXXX XXXX allegedly sold my loan to PRA Receivables. I have never signed an agreement with XXXX and XXXX charged off the debt and it has a XXXX balance. PRA is alleging that I owe them on my vehicle when in fact, the statutes of limitation on the debt has expired. They currently have the title to my vehicle and are refusing to release it. They have not proven validation of debt, and I was sent a contract between me and the original lender, which was XXXX XXXX, but nothing showing a relationship between me and them. As stated before, the statutes of limitation has expired and PRA is not on my credit report nor do they have a right to collect a debt on me, however, they are breaking the law by holding on to my car title, and it does not belong to them. They have no proof of anything. I want my car title back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I need to receive validation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX   XXXX   XXXX   XXXX    filed complaint for foreclosure on property without including /mentioning previous existence of  XXXX  loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I never heard back from them

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    M.S.   XXXX  ) who claim they are collecting for their client, "  XXXX   XXXX   XXXX  located in  XXXX  Illinois '', that no longer exist in the sum of some  Credit Reports says, {$2600.00}, {$2700.00} and {$3000.00}. This company reported all of these figures on my Credi  t Reports in Collection. Last year, I o btain &amp;  XXXX  dollars worth of Leasing Furniture from  XXXX   XXXX   XXXX  ( No Longer exist ) that I picked from a Newspaper in the store. I called this company immediately and told them I did n't want this furniture and asked them to please pick it up! They told me No! Once the furniture left the store I own it! I am upset that  XXXX   XXXX   XXXX  is able to cause my  Credit Score Sev ere Harm by Reporting information without providing me or TransUnion a reachable contact number ( Ph: XXXX  ) or (  XXXX  ) so I can speak to someone pertaining to what 's put on my Credit Reports. I am trying to move  ASAP  in an apartment and this information is causing severe harm. I am also asking TransUnion to remove all old information dated back to   XXXX     and up off of my Credit Report so that my score can improve.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Victim of fraud - the criminal has been prosecuted and is serving a prison sentence for the crime. Even after submitting documentation verifying the public record that the responsible party was convicted and the account was opened fraudulently the finance companies refuse to remove the incorrect negative information from my credit report according to the FCRA.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have called and reported incorrect names and addresses on my credit reports. After speaking with the representative, I was told they were removed and a updated credit report would be sent. However, as of today, it has not been removed. The alias that is being reported is not my legal name that appears on my drivers license. Also, the  XXXX  addresses is not occupied by me.

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