vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 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:
I HAVE MADE NUMEROUS ATTEMPTS TO GET MY CONSUMER CREDIT REPORT CORRECTED AND EVEN WITH THE PROPER DOCUMENTS SENT TO EXPERIAN AND XXXX THESE ACCOUNTS HAVE NOT BEEN HANDLED PROPERLY ACCORDING TO THE RULES SET FOWARD BY THE FCRA ... EXPERIAN AND XXXX HAVE NOT FOLLOWED ANY OF THE GUIDES LINES PUT IN PLACE ACCORDING TO THE FCRA.I HAVE BEEN DISPUTING THESE ITEMS FOR OVER 6 MONTHS. 
XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX WAS A VICTIM OF IDENITY THEFT

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 2018-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Presto Auto Loans, Inc.
State: AZ

Complaint narrative:
I obtained a title loan on a vehicle dated XX/XX/XXXX. Since that time I lost my job and fell behind on payments. I received a letter from the loan company on XX/XX/XXXX telling me that I had defaulted on the loan and demanding I give the vehicle to them or I would be criminally and civilly prosecuted and face 2 years in prison and {$150000.00} fine. 
A few minutes later an elderly family friend of mine called me hysterically and read to me a letter she had just received in the mail and opened and to my shock and horror it was the same letter they had mailed me. This letter was addressed to both her and me on the envelope. She was simply listed as a reference when I applied for the loan. At no time did I give have never given ANY type of permission to discuss this debt with any third party. I have never even been to the state where my elderly friend lives and have certainly never received mail there. The loan company has a good mailing address for me as well as a good contact phone #. This letter received by my friend gave my account #, Delinquency, dates of loan, all info about the loan, and threats of prosecution of myself. She does not understand why they sent this to her and believes they are coming after her for the loan and that she is somehow involved. She is extremely upset and my life has been in turmoil since this happened since now my entire circle of friends and family know all of this and some even believe that I actually did try and involve her since it is so outrageous that the loan company would send her a letter like this.

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 2018-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I didnt authorize XXXX XXXX credit bureau unit to pull my credit files

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 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX Professional Placement Service called twice before XXXXXXXX XXXX using an automated system saying they are a debt collection company and requesting me to call XXXX. Caller ID has Professional Placement Service. I didn't call the number since they don't mention a person 's name that the debt is regarding. This robocall is calling a business phone number. The posts on the internet from XXXX XXXX website said that this is a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: IL

Complaint narrative:
I have disputed and credit bureaus will not delete.

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 2018-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
I had asked XXXX to remove the late marking due too my husband and i being in the hospital. Then my husband had lost his job and i had to heal from my XXXX. They said it is my responsible to still manage the car. So they said deal with it then all this XXXX had put us behind as well.Right now my husband is still out due to his XXXX XXXX. So i asked them to help us out.To remove late fees and reporting to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: UT

Complaint narrative:
I have an agreement with XXXX that they would remove late payments on all closed accounts. Credit reporting agencies refuse to remove late payment information despite being provided with a letter from XXXX asking them to remove. This information gets removed and then reappears.

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 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have a unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX XXXX Cease and Desist all further communications.XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 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: UT

Complaint narrative:
I have an agreement with XXXX that they would remove late payments on all closed accounts. Credit reporting agencies refuse to remove late payment information despite being provided with a letter from XXXX asking them to remove. This information gets removed and then reappears.

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 2018-03-21 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: UT

Complaint narrative:
I have an agreement with XXXX that they would remove late payments on all closed accounts. Credit reporting agencies refuse to remove late payment information despite being provided with a letter from XXXX asking them to remove. This information gets removed and then reappears.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: IL

Complaint narrative:
I have disputed and credit bureaus will not delete.

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 2018-03-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed and credit bureaus will not delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: D2 Management LLC
State: IL

Complaint narrative:
Received numerous calls from some company by the name of D2 Management regarding an alleged debt of over $ XXXX. I asked their representative do I have a contract with them and who gave them permissible purpose to contact me as I am listed on the national do not call registry. This person stated that they are calling on behalf of a client that I owe money to, yet she still would not tell me who this company was. They called from a bogus number ( XXXX ) XXXX which is definitely a red flag. If they are a legit company, why not be up front and honest about their whereabouts and their actual real number? The representatives got really belligerent because I asked them questions about the validity of an alleged debt, stating how they can see my credit report and how I don't pay my bills etc. I don't understand how this company can call and harass me although I am on the national do not call list. I asked very pertinent questions about this alleged debt that they just could not answer which caused them to get upset with me and ultimately hang up in my face. I would like this issue to be taken very seriously as they do not have the right to call me at my place of employment and threaten and harass me about an alleged debt that they just can not prove. I will be looking for this issue to be solved and this company reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a unverified account from XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX Cease and Desist all further communications. XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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 2018-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I sent Experian a letter disputing several accounts on XX/XX/XXXX and XX/XX/XXXX, just to receive a letter stating my disputes seems suspicious and aren't coming from me. Well who are they coming from?! These inaccurate accounts reporting on my credit report is causing it difficult to get any loans. I have tried to contact Experian buy mail and phone several times with no help! I'm a XXXX XXXX, who work long hours and different shifts, that doesn't have time to sit on the phone for long periods of time with Experian!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX regarding Account # XXXX & XXXX at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts and nothing showing any signature or authorization. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) XXXX is not bonded with the state of Texas to collect any debt. 
Collection Agency Information XXXX Account Type Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-03-21 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: DE

Complaint narrative:
7 Fraud accounts that continue to report on my Experian credit Report after years of disputing the Fraud   with the credit report and creditors which was due to the XXXX  Breach and Experian Neglected to correct and update and remove these fraud accounts from my Report. Account from these creditors are Fraud, XXXX {$5000.00} # XXXX, XXXX XXXX {$5000.00} # XXXX, XXXX XXXX   {$740.00} # XXXX, XXXX XXXX XXXXXXXX XXXX  {$1400.00} # XXXX, XXXX   {$260.00} # XXXX, XXXX {$570.00} # XXXX, XXXX {$330.00} # 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 2018-03-21 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: NY

Complaint narrative:
I have about 7 loans with XXXX XXXX. Then Navient was created so I had 5 loans with Navient ( they said it was federal ) and 2 loans with XXXX XXXX ( which XXXX XXXX said its federal ). 
Around XX/XX/2017, I was literally drowning in the bills because XXXX XXXX will be taking money from my account and so will Navient. I was told by XXXX XXXX that Navient was federal so they could help me get better rates for my repayment. Navient said they were private loans and couldnt offer me anything. This went on for daysrude customer experience from different managers/supervisors. So at this point I was just consideration debt declined to just consolidate all of my loans. But a friend just told me to try Navient again. So I called one last time and someone tried to help me. Paying one fee until XXXX. However, they forgot to apply one of my loans so here I was paying the lowest rate in all 4 loans and on the other loan ( that was applied ) a double rate. Since I couldnt do that I had to use my last three forbearance. Another payment will come out in XXXX, their saying that I owe them more than the payment thats already being withdrawn from my account. I spoke to a different representative again a couple of days ago. They wanted to put me in a different program again but it wouldnt include all my loans. I am sick and tired of dealing with dishonest people. Navient has affected both my loans and my parents loans because of Dirty trickswhich just keep increasing my principal. I have no idea where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I went to website to manage my account and this message came up I went to the website to review my account the I received the following error. 

Hmm, something's not quite right. 
Access seems to be down at the moment. Thank you for your patience - things will be up and running soon. 
XXXX TD Bank, N.A. All Rights Reserved Please investigate this website ensure that it working and operating according to United States Federal Regulation and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations Now this supposed be online bank made easy this is not easy when you are not allowed to access you bank account or make transfer to any account. I called customer services regarding this and they said that they unable access my account and make transfer to my checking I would have go into the branch for access is this legal to offer services and the bank and the customer services is not able to assist and please investigate this store or bank ensure that it working according to United States Federal Regulation and all misconduct and mismangement found all individuals involved be convited according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian does not pick up my phone call for 2 hours and 30 minutes. They are making the process extremely difficult and is bordering on fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX I initiated a rollover procedure of my XXXX from XXXX XXXX Citi Website ( Citigroup ) to XXXX. When I completed the Rollover instructions, I was then directed to a new website managed by XXXX XXXX XXXX ( XXXX ) to complete nearly identical information requested by Citi with the exception of the address of XXXX which took me a little time to find out from XXXX. Once I successfully completed XXXX inquiries, I was then redirected to Citi Web page at which time a notice that my session with Citi had expired. At that point I truly believed that the entire procedure was completed. There was no indication thru the various inquiries that were completed that a confirmation was required otherwise Citi session should not have expired. 
On the same day, there was another department titled Rollover Central of which I was unfamiliar of its role, so I called XXXX back and XXXX XXXX XXXX informed me that my request was processed. 
On the XX/XX/XXXX, I telephoned Citi Benefits Center to determine progress on my Rollover and I was informed that the request was not processed because it was not confirmed and that my value of my XXXX would be based on the closing day of the XX/XX/XXXX. 
As a result of the delay the XXXX value diminished approximately {$7400.00}. 
There were other telephone calls to XXXX XXXX Citi during XX/XX/XXXXregarding our complaint ; one telephone responders indicated that this was not an isolated incident. One of the managers named XXXX stated to file an appeal with Citi which denied my claim. A final appeal to Citi also denied my case. In essence, CitiGroup told me that I failed to confirm on the XX/XX/XXXX the rollover and would require me to go to court. 
All paper work regarding this case is available by request.

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 2018-03-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my Experian credit report and found inquiries I did not authorize from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX ... Experian has not given me written documented proof I consented to these hard inquiries as required per section 605 and  section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act.

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 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested the account be removed or updated with closed numerous times by mail and phone. The creditor bureau replies by sending a form letter stating the account has been verified which I know not to be true. I have asked for proof of verification and I do not receive any. The account is a CLOSED account reporting as OPEN.

Company response to consumer: Closed with explanation