vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Lowes has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-12 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: CA

Complaint narrative:
I on XX/XX/2018 have sent Equifax a certified mail asking for verification of an account that I suspect is fraudulent. 
under the FIR CREDIT REPORTING ACT UNDER SECTION 611, Notice of Results of Reinvestigation ( A ) In general. A consumer  reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Summary : Submitted a {$500.00} payment that was cashed by Navient but not applied to my loan. I tried calling, I tried chat, and I tried sending a letter. Navient has not addressed the problem. 

Details ( this is actual text ( " copy and paste '' ) that was printed and sent via USPS to Navient, which Navient has not responded to early XX/XX/XXXX ). : -- -- -- -- -- -- -- -- -- -- -- -- Late XX/XX/XXXX, I submitted a payment that was deposited by Navient on or about XX/XX/XXXX to loan ID XXXX, belonging to me, XXXX XXXX. But the payment was not actually applied to my account ( XXXX ). They payment was serviced by XXXX. 

This payment was not applied to that loan, nor any other loan of mine. The check was deposited. The canceled deposited check is included in this package.. 

Please apply the {$500.00} payment to loan ID XXXX. 

If you have any questions, please contact me via email ( XXXX ), phone ( XXXX ), or a secure message via the Navient web interface. 

-- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: NJ

Complaint narrative:
DISPUTED A BANKRUPCTY WITH EXPERIAN ON XX/XX/XXXX THEY SAID THE RECEIVED MY LETTER DISPUTING MY CLAIM BUT DID NOT RECEIVED MY PROOF OF DOCUMENTS STATING THE THE BANKRUPCTY COURTS TO NOT REPORT TO THE CREDIT AGENCIES AS CONVERSATION WITH A LADY NAME XXXX SO I SENT THE LETTER AGAIN ONXX/XX/XXXX AND EXPERIAN GOT MY LETTER MT SECOND LETTER ON XX/XX/XXXX THAT THE COURTS DO NOT REPORT INFORMATION TO THE CREDIT AGENCIES SO AS IN THE THE FAIR CREDIT ACT THAT THIS HAS TO VERIFIED THREW THE COURTS AND IN THAT CASE THE NO ONE FROM THE COURTS WILL RELEASE THAT INFORMATION TO CREDIT REPORTING AGENCIES THIS IS A THIRD PART WHERE THEY GETTING THIS INFORMATION .ATTACHED ARE MY PROOF FROM THE BANKRUPCTY COURTS SIGNED BT THE COURT CLERK STATING THAT DO NOT REPORT TO CREDIT AGENCIES PERIOD

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 2018-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was XXXX XXXX, onemain is useing the account number-XXXX  in the amount of $ XXXXXXXX XXXX was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/2015.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by staying on my XXXX  and XXXX credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
They've taken the employer XXXX off twice now and they keep putting it back on. I have never worked for XXXX. You can investigate this with XXXX. They will tell you the same thing.

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 2018-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
It was that me and my mother co-singed the loan for me, my mother filled for Bankruptcy and because this was filled under the bankruptcy, it was suppose to be forgiven. Navient is the servicing company. We paid the loan thru XX/XX/2018 and after this I was not able to make the large amount of payments. I could only pay $ XXXX   month for two loans, so I contacted the servicing company, and  they told me they can help me. But it's has been nothing but a problem. We received a letter telling us that they are willing to help but are not will to help overtime we call to discus the help. At this time there are forcing us to pay what they want us to pay, I live on my own and with what I am making an hour, I can't ever support myself with what I pay now for my bills and rent. Please help. I will be looking in to hireling and attorney at this point since Navient is not willing to help. My mother is on XXXX and she is not able to pay more then the total amount me and her {$50.00}, Please help us. thank you. every time you call Navient they threat you that they will put bad review on my and my mothers credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I also Sent Equifax to remove the incorrect addresses on my credit profile. 
They have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent a certified letter to experian explaining that I am unfamiliar with this account I suspect fraud and under the fair credit reporting act experian must verify within the confines of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied to renew my income based repayment on my student loans on XX/XX/XXXX. I received a confirmation letter from Navient that my application had been accepted on XX/XX/XXXX. I received another letter from Navient onXX/XX/XXXX that my Income Driven Repayment Plan had been approved. It also reported that I should expect to receive the details of my new repayment plan after my current plan expired on XX/XX/XXXX. It instructed me to submit a new IBR application, even though Navient had already sent confirmation of receiving my application and sent confirmation that my income driven repayment plan had been approved.

As of XX/XX/XXXX, I have not received the details of my new approved Income Driven Repayment Plan. What I did receive today were 3 separate emails stating that my payments would be increasing to the amount I would have been paying had I not renewed my repayment plan. I would like to know the details of my approved income driven repayment plan and for my monthly obligation to reflect that repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CRESCO CAPITAL INC.
State: AR

Complaint narrative:
On XX/XX/2018 the tractor that I had leased with Cresco Capital broke down on XXXX, XXXX bound to XXXX , Tn. I had the truck towed to a local company there. ( XXXX XXXX XXXX of XXXX Tn ) however, after the diaqnosis, they found problems with the DEF system and mentioned to repair it would be {$14000.00} which they would need half upfront to start the job. therefore, I mentioned this to the lease company and they said I would be responsible for all repairs. Afterwards, I fronted {$7300.00} and as they started to do the work they found addtional problems which meant additional cost. after estimates came back to the tune of {$16000.00} I again reached out the lease company explaining that I was willing to front as much as {$15000.00} toward the repairs minus the initial cost and ask if they could assist me in any way, which they refused. So I contacted the repair shop and ask if they had any credit applications for in house financing for repairs and they said yes and before I could get the application back to the company, the truck had been repossessed and placed derogatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This account XXXX in charge-off status on my credit reports that is fraudulent and I have no knowledge of it all. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a { {$700.00} } credit limit, with a balance of ( {$0.00} ), and charged of XX/XX/XXXXand updating this information onXX/XX/XXXX after it was charged off.. Making it charged off and updated after the account was sold to Portfolio on XX/XX/XXXX per XXXX XXXX. I didn't receive a notice from Portfolio at any time. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Portfolio on 3 separate occasions asking for validation, original account level documentation. Every time what I requested was refused but Portfolio would send me a printout of incorrect information.

XXXX XXXX   sold the account XX/XX/XXXX. On my credit report Portfolio indicated at 2 credit bureaus that the account was opened XX/XX/XXXX with a balance of {$990.00} and a high balance of {$990.00} and at one credit bureau the account was opened XX/XX/XXXX with balance and debt {$990.00}. I have NEVER did business with XXXX XXXX, but Portfolio is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudelent. The original account close date is XX/XX/XXXX and Portfolio is re-aging it to XX/XX/XXXX.

I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX has placed false reports on my XXXX   credit report. XXXX XXXX XXXX has placed bought a debt from XXXX XXXX XXXX XXXX XXXX and is attempting to collect the debt from me by making false claims on my report. I never opened an account with XXXX XXXX XXXX XXXX XXXX or made charges using a credit card from XXXX XXXXXXXX XXXX  XXXX, the original owner of this debt. Ive contacted XXXX XXXX XXXX   and explained the situation but they respond by saying my dispute is false. I explained that Ive made several attempts to contact XXXX XXXX XXXX XXXX XXXX but they will not call me back nor answer my calls. I've left messages with XXXX XXXX XXXX XXXX XXXX trying to explain that this is a fraudulent account and asked for them to please contact me. I have never signed any application or made an attempt to open an account with XXXX XXXX XXXX XXXX XXXX I ask for XXXX XXXX XXXX to remove the fraudulent clams against me on my credit report with all three credit score reporting agencies until an investigation can be made to  determine where these charges came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: MA

Complaint narrative:
I have disputed account listed below that does not belong to me and Experian, XXXX and XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXXXXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXXXXXX XXXX XXXX, reporting XXXXXXXX XXXX XXXXXXXX XXXX, opened XX/XX/XXXX XXXX XXXX, opened 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 2018-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
hi I was part of customers who had accounts opened without me knowing and as a result I got charged close to {$150.00} worth of fees for 2 years and half well my complaint was submitted and wells fargo attempted to settle the matter through the mediation but during mediation process the mediator didn t give me a chance to resolve the problem in my favor but decided to side with wells fargo because they are paying and hired by wells fargo so it was a big set up from the beginning

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 2018-05-12 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: ID Analytics, Inc.
State: TX

Complaint narrative:
My credit score from the three major reporting agencies are XXXX, XXXX, XXXX. How can XXXX XXXX justify a rating of XXXX? Because they make up false information on the people so that they can help XXXX XXXX hopefully make more money on their auto loans. 

Limited history at address : I am in the process of moving to this location. I told that to the XXXX   people at XXXX when I purchased the car. I've been at my previous address for over 20 years and at the address prior to that for over 10 years. 
Not enough debt experience - I usually pay CASH, is that a crime? 
Total Account balances? 
Limited history at this Phone : 20 years on one phone and 10 years on the other. How XXXX is that? 

XXXX XXXX, ( XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX ) and XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, XXXX ) are co-conspirators to defraud the public by providing wrong and or misleading information, so that XXXX XXXX can change the terms of the submitted auto loans so that XXXX XXXX can make more money. 

I am not sure if XXXX is also involved in this conspiracy or not, but if you look up all the complaints filed against XXXX XXXX, it sure looks like their might be a lot of auto dealers also involved as well as XXXX XXXX, for sure.

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 2018-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Acceptance Corporation
State: NM

Complaint narrative:
Affiliated Acceptance Corporation continues to charge me for a membership with a company I no longer am associated with. On XX/XX/2018 I signed up with XXXX XXXX in XXXX XXXX New Mexico for a membership. I was reluctant to do so because I travel extensively and am not able to use their facilities much more than two or three days a month. The employee at XXXX XXXX assured me that this would not be a problem because they could just " put my account on hold. '' XXXX XXXX received a one week notice that I was going to be going to XXXX  and would need my account to be placed on hold. They received a 72 hour notice. By the time I gave them a 24 hour notice, I was charged for the month of XX/XX/XXXX. I wasn't in XXXX XXXX during the month of XX/XX/XXXX and they were not authorized to charge me for that month but they did anyway. Now, Affiliated Acceptance has decimated my credit score by reporting this as a late pay. They know the situation yet they continue to charge me even though I no longer wish to do business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
i applied for a new mortgage through quicken loans. i am buying the house from my wife and disclosed this from the beginning. i have never been on the loan, title or anything as she had the house before i met her. they said as long as she hadnt missed or been late on a payment in 3 years, it would be ok and not considered a bailout, which they cant do. ive went through the whole process and gotten everything done theyve asked for. we had 10 days until our closing date. on thursday i received a message from the woman i had been working with stating that she was expecting the appraisal back on XX/XX/XXXX, and would contact me within 24 hrs after to go over the closing details. the next day i got a message from a purchase solution consultant saying i need to call him. i did and he said it wasnt going to work out. he transferred me to another woman and from there i was transferred to the " executive branch '' which is supposedly the highest branch you can talk to. i asked each person why this isnt going to work all of a sudden? i was told by each person that they cant say all they said eas a senior underwriter denied it now. i had to pay a {$500.00} appraisal fee and the rest would come off my down payment. i have already gotten the approval letter for the property and everything the absolute only thing we were waiting on was the appraisal to come back l. i never wouldve paid the {$500.00} if everything wasnt good to go. the executive woman i spoke with told me she couldnt tell me the reason it was denied. i said fine at least give me my {$500.00} back because it was a mistake on their end because my loan never shoukdve gotten that far if something was wrong. here we are 10 days from closing and all of a sudden it wont work now. she said she would review the calls and everything and itd take about 2 days to go through and then she could see abiut the {$500.00} back, then said nope its non refundable. i never got an explanation as to why my loan was denied and so late through the process, and i am unable to get my {$500.00} back that never wouldve been paid id someone on their end didnt screw up. they wont return my calls or emails and won't give me an answer as to why this has happened. i told then thats fine if they dont want to help me ill give my business to another company but i want my {$500.00} back! doesnt make sense witg everything being fine and approved jl, just wait9ng on the appraisal to close, then boom, not happening. they didnt resolve my issue, ask for anymore information, and never gave the reason why its denied at the very end and why i cant have my {$500.00} back.

Company response to consumer: Closed with explanation