vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have a old defaulted credit card account originally with XXXX XXXX/XXXX XXXX it is several yrs old. It was bought by XXXX XXXX XXXX. They immediently " parked '' or " re-aged '' the debt ON MY CREDIT REPORT AS OPEN. I DISPUTED WITH XXXX XXXX and the collection agency and was was Told by XXXX XXXX that it Met FCRA AND I DONT THINK IT DOES. 
also XXXX XXXX ding loc had placed the account with. 
XXXX XXXX collections I was contacted by them agreed to a settlement amount of {$170.00} And was sent a settlement letter by email was I received it I called to make the payment and was told that XXXX XXXX had pulled the account because I had complained about their reporting practice.they then put it back on my credit report and gave it a newer date

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: AZ

Complaint narrative:
My XXXX XXXX XXXX/XXXX XXXX credit card # : XXXX is lost/stolen, and has fraudulent and unauthorized charges on the account. The following accounts are all fraudulent and dont belong to me : XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX. The following credit inquiries is fraudulent and dont belong to me : XXXX XXXX/XXXX, 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 non-monetary relief
Consumer complaint received 2018-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For the second time in 6 months I have had XXXX XXXX  close an account that was in good standing with a low or XXXX balance. This not only has a negative affect on my credit report it is also INFURIATING in the event that I need to use the account. 

The Lowes account was the first one - they lowered my credit line from XXXX to XXXX which at the time was only XXXX over my balance dropping my score 70 points and causing an issue with the purchase of my home. 

The next instance is with my XXXX 's account which had a XXXX limit and NO balance. They closed this and never even notified me. I fond out when I logged in to pay on another account. 

There is NO reason to close off my account without any reasonable explanation or notice. The Lowes account " excuse '' was that there was a change in my credit profile. The only change at the time was that I shopped for a mortgage loan. That should not affect my existing lines of credit The XXXX 's incident I am told is because there was no activity on the account. Because I don't buy furniture every day there would be no ongoing activity on the account HOWEVER having the account open and in good standing is a POSITIVE thing on someone's credit. NOW because the COMPANY closed the account it will have a VERY negative impact on my credit. 

I want an account reopened at the credit limit of XXXX with NO credit pull and NO negative impact to my score. The closed account will need to have the reporting corrected so as not to show that the company closed it - it needs to read account number transferred. Additionally I have a Care Credit account which I keep for medical emergencies - I would like this and any other account with Synchrony protected from closure. I would hate to get to an emergency room and find out they closed another account. 

The customer service person told me he was not able to open a new account or transfer my account to a new number. As far as my Care Credit account which I use for MEDICAL EMERGENCIES - he stated that I need to use the card by XX/XX/XXXX or I run the risk of that too being closed. If I have a medical emergency and I need the card apparently I will find out when I get there? He said " basically yes that is correct '' then I asked him so I have to have a medical emergency in the next 6 months? He said " technically yes '' THIS IS TOTALLY AGAINST THE FAIR CREDIT REPORTING ACT. 


The supervisor 's name I spoke with in XXXX XXXX XXXX # XXXX the other XXXX I spoke to was " XXXX XXXX '' who did not provide his associate number.

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 2018-06-03 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: MD

Complaint narrative:
For 12 years I have been struggling to repay my loans. I have had multiple forbearances and deferrals. Whenever I did contact navient about my struggles that was their suggestion. I have for the past several years contacted them multiple times to figure out how to lower my payments, repay faster and consolidate my loans so I wasn't paying 4 different interest rates for the next 30 years. I have never been able to get help. They contact me when my payment falls behind and tell me they can help and then when I agree they tell me they can't help. I still have 20 years left on my loan, I have barely made a dent in the repayment and I just want to get a normal repayment plan for a few years and be done with them. I have to take to 2 separate sections of the company to deal with my private loan and federal loan. Every time I call I get transferred multiple times and become so frustrated, half the time I don't understand what they are telling me. I spend long periods of time on the phone with them trying to understand how my payments work, I confirm my understanding of what my payments will be and then the best time I talk to someone I find out my understanding was incorrect. This company is horrific to work with. I was XXXX years old when I got these loans not really understanding what I was doing and at XXXX years old I still have 15-20 years before I can pay these loans. It's unrealistic for any person trying to manage a family to pay student loans for 20 years. My original loan was approximately {$20000.00} and I still owe {$16000.00} after 12 years. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: CA

Complaint narrative:
To whom it may concern : It appears that my payments with Navient are not being posted correctly and it has been going on for well over a year, but I just noticed it recently. I have called Navient twice in the last couple of weeks for two issue. Once on XX/XX/XXXX and again on XX/XX/XXXX, and they still have not been able to post my payments correctly. On XX/XX/XXXX I was informed that issue # 1 would be resolved by XX/XX/XXXX. Today is XX/XX/XXXX and its still incorrect. Today my loan payment ending in XXXX from XX/XX/XXXX is going towards the principal, but what about the previous 14 months? At the rate I'm paying on my loan my entire life since nothing ever goes to the principal. 

Issue # 1 : I made payments on one of my private student loans for the last 14 months, and not XXXX XXXX has been posted to the principal, so I called them on XX/XX/XXXX when I identified this. My mother called on my behalf and spoke to the customer service rep, and she said that about {$500.00} a month goes to interest, and my mother said to her that I paid {$950.00} in XX/XX/XXXX, why did all of it post to the interest? The representative was unable to answer for a minute, because the call was scripted, and the rep didn't know what to say except " yes, that doesn't seem right, I will get this account reviewed. 

Issue # 2 : I made automatic payments through my bill payer with my credit union on 3 loans with Navient on XX/XX/XXXX, and as of XX/XX/XXXX, they were not posted. I called Navient on XXXX and the Customer Service Rep said they were not posted yet, but to check back. Today when I checked, the payments had a post date of XX/XX/XXXX. They manner in which they have posted my payments appears incorrect. I had this issue in XXXX, and it was due to a " grouping '' per Navient, and supposedly Navient fixed that, but it appears broken again. How am I to validate this posting is correct. Its frustrating to call Navient because the customer service reps are scripted, and do not even listen to the issue. 

Please know that contacting and dealing Navient is very stressful and frustrating. I had similar issues in XXXX and it took months to resolve. They sound robotic and systematic with any phone calls you make to them. They try to get you off the call with an unrelated response. I have asked my mother to assist me because I work full time and Navient is closed when I get home. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I took a title loan on a vehicle near 20 months ago. Originally the loan was for {$5000.00}. I have paid diligently and even tried paying extra to get the loan paid off but its hard to make headway. I did pay down over {$1000.00} of the principal but then reborrowed {$1200.00} because I was struggling to make the payments. The payments are 500-600 per month meaning I have paid probably in excess of {$10000.00} now. I would think this should satisfy my responsibility but I do not want to lose my car. I would like to come to some reasonable resolution to resolve the debt and me maintain ownership of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: CITIBANK, N.A.
State: IL

Complaint narrative:
As an authorized user of a Sears account I was added last year. I spoke to a representative in their credit department in regards to the Sears account not being reported to all three of the national credit bureaus as promised several of times. However, I was told by the representative that it was reported to all of the bureaus. However its been over a year now and my XXXX  nor my XXXX report does not reflect. The information giving from Sears at this point had been very misleading and inaccurate and has affected my credit status with both XXXX and 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 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Southern Managament third party for ( XXXX XXXX/ XXXX XXXX ) attempted to claim their is a balance due for {$9100.00} for a apartment I rented in XXXX XXXX Florida XXXX I moved out of the apartment for job relocation. I provied them all information they needed include written letter i was leaving. date included. I forefitted all security deposit as well as i paid the rent for the time the apartment was not rented which was two months. 

Their claiming their were damages of this amount for the apartment. The apartment complex never notified me of this owned amount. I received harrassing calls begining 12 months after leaving stating this debt was owned. I communicated several attempts with this collection agency to provide the proof of information that would validate the debt. They flat out refused- any settlement offers i have made during that time of XXXX-XX/XX/XXXX they refused. Even offered settlement when they could not prove the debt or the details of damages. I contacted the property manager myself and went to property in which they no longer had any information or record of me living there and could not provide information either. 

I submited a dispute with XXXX  in XX/XX/XXXX via online dispute stated the dispute was closed- however I did not realize this was stated the dispute was already closed when it goes into collection. I was attempting to resolve this and have it removed was the purpose so i choose the wrong tactic on website. The company is called Souther Management Company. 

I have been attempting to resolve this debt for over 7 years. This company in the beginning called and harrassed and threaten to damage credit report, hold funds, hold tax returns, contact banking center i bank with and withdrawl money. I have not been in contact with them because of their bullying tactics. 
They have never sent information to me concerning this debt- or the detailed report i have asked for several times. I receive one email from them stating that the debt was valid but no other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, XXXX XXXX XXXX ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, Transunion keep updated this information, never not once giving me an physical documentation.

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 2018-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: National Auto Lenders, Inc.
State: TX

Complaint narrative:
After submitting a good will letter 3 months ago along with calling the company, emailing and faxing documentation to remove late payments for my auto loan due to Hurricane Harvey and being without employment for 5 months, this company still will not help with my account by removing any of the late payments from my credit report with all 3 credit bureaus :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I requested my free Annual Credit report from Equifax via the Phone at XXXX where my request was accepted, specifying that the request would be processed to be received within 3 to 4 weeks. I submitted that request using my Home Phone Number from my Home both of which have been the same for the last 15 years. As of XX/XX/XXXX, I have received no response from Equifax. 

Once again, Equifax has not provided the Free Annual Credit Report which they are required to provide by law. This is a repeat of the same problem I encountered XX/XX/XXXX, ( Case Number XXXX-XXXX ) as well as the year before in XX/XX/XXXX, ( Case Number XXXX-XXXX ). For some reason, Equifax seems to be denying my access to my Free Annual Credit Report. 

I need that Credit Report so that I can review it for any potential problems. Please advise. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: CORELOGIC INC
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, a HARD inquiry made by CREDCO was added to my credit report. This is a bank and I did not authorize this! 

Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, Bank Of America ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, XXXX keep updated this information, never not once giving me an physical documentation.

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 2018-06-03 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: MO

Complaint narrative:
I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, XXXX XXXX XXXX ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, XXXX keep updated this information, never not once giving me an physical documentation.

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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed the following fraudulent inquiries on my credit report but yet the credit agencies are still reporting and marking as updated, even after I reached out to each company individually, claiming that its all on the credit agencies. However, in accordance with FCRA if one is not provided physical evidence then the accounts should be removed. The following inquiries being disputed are, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX / XXXX, XXXX XXXX and 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 2018-06-03 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: NY

Complaint narrative:
There is an account from XXXX XXXX ( XXXX ) that is showing on my experian credit report. I have sent validation and verification letters to both experian and XXXX XXXX requesting to show proof that this account is mine multiple times and neither company has done so. That account was put in my name without my consent and I am a victim of identity theft. I have filed a police report for fraud and even sent that to experian and they still will not remove this account from my credit. This is illegal if the credit bureaus can not proof to me this account is mine they must delete it. It is extremely hurting my credit worthiness and hindering from obtaining the credit I would like to get now.

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 2018-06-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX was opened on XX/XX/2006. Shows a balance of {$10000.00}. It is over the 10 year limit on being on a credit report. I would like to request to have this item removed from all my credit reports from all credit reporting agencies. 

Thank You

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 2018-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: GA

Complaint narrative:
On XX/XX/2018 I purchased a Netspend prepaid XXXX card with {$170.00} cash for the express purpose of paying a bill online. I chose the Netspend prepaid card because it was a couple of dollars cheaper than the Prepaid credit cards it was on display with. It was a Saturday and my bank was closed so I was not able to delposit cash into my bank to pay the bill. I thought that purchasing a prepaid card with a small fee would allow me to quickly pay the bill online. 

After purchasing the card I immediately went online to activate it, per instructions on the card. I then proceeded to use it. The card was declined. I called customer service. I was on hold for over 10 minutes. Customer service rep verified my name, date of birth, and social security number. He then apologized and said I would not be able to use the card or have access to funds. I was shocked and dumbfounded and asked to speak with a supervisor. 
After being placed on hold again I was transferred to a supervisor. The supervisor told me there was nothing he could do and I would not be able to use the card or have access to my funds.

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