vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 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: GA

Complaint narrative:
XXXX XXXX was removed, paid in full and removed XX/XX/XXXX. Through XXXX. The amount was XXXX. I was sent confirmation it was removed and paid in full from XXXX dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to XXXX multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called XXXX a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 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 2017-08-01 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: TX

Complaint narrative:
On XXXX-17 I sent Equifax a letter disputing information being reported inaccurately to my credit report. They reported that their investigation was complete, but refused to make most of the requested corrections. Please see the attachments for the documents I sent to Equifax with supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I went into a branch with my kids to make a deposit into their minor savings accounts. They both had a check from grandma and loose change ( @ {$6.00} for one and @ {$26.00} for the other ). I was told I had to provide my ID in order for the cash to be accepted. There is no regulatory requirement for this requirement and it is more than intrusive. I hardly think my kids are head of a money laundering ring with deposits less than {$30.00} in cash. Furthermore, no ID would be required if an ATM had been used. I believe that this is an XXXX issue as many individuals with limited means may not have the requested ID and be blocked from saving and access to financial services. I understand that large dollar amounts enable the tracking of funds that could be connected to illegal acts. I do not see how tracking {$6.00} into a minor savings account will save any lives.

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 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex is still showing active the account is closed have n't used it since 2014/ was joint account w x-husband pls take this off was showing XXXX on XXXX XXXX for credit limit {$14000.00}. Each

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.

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 2017-08-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My 1st and 2nd mortgages were transferred from XXXX XXXX XXXX to Nationstar in XX/XX/XXXX. At the time, I was going through hardship and was seeking a loan modification. Nationstar resent the modification application papers and the 1st Mortgage was successfully modified and I started payments in XX/XX/XXXX. Later in XXXX I received two separate Loan Payoff Statements for both the 1st and 2nd. I neverheard anything else concerning the 2nd, no statements, nothing. ( My last payment to the 2nd Mortgage  was XX/XX/XXXX. ) I received a letter in XX/XX/XXXX stating that the 2nd. Mortgage had been charged off because they " were unable to cure the account delinquency and bring my loan current. '' No offer to modify the 2nd. Mortgage, no attempt to lump arrears into a new payment plan. Furthermore, there has been no reporting to the credit bureaus until now, the charge off has just been reported. No other reporting. I think Nationstar was negligent in their loan servicing which has impacted me, and negligent in their duties to perform for the 2nd Mortgage note holder, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
I obtained a student loan from XXXX XXXX in XX/XX/XXXX. This account was later sold told XXXX and was closed/ charged off XX/XX/XXXX. XXXX later sold my debt to a collection agency who later transferred the debt to Protas, Spivok and Collins LLC. This collection agency has repeatedly called me during all hours of the day during work hours and evening hours. They have also harassed family members whom were down as References these family member have informed me they are being contacted several times a day. It took me calling XXXX to find out if their were any income based repayment options for me to find out that my information and debt has been transferred to 2 other collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TN

Complaint narrative:
I am in the process of going back to school. Once my credit was pulled I noticed Enhanced Recovery Corporation reported to all three credit bureaus as a collection on behalf of XXXX XXXX. I contacted Enhanced Recovery Corp on XXXX and XX/XX/XXXX, both times the representative was very rude and not helpful. She stated it is my debt and I need to just pay it. I asked to please validate the account and she stated that has already been done. I am not aware of this company. I am in Tennessee and this collection agency is not licensed in the state of Tennessee. School will be starting in XX/XX/XXXX, can someone help me resolve this issue so I may continue applying for my student loan? Reported on XX/XX/XXXX Amount {$250.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I have a loan with Ally Financial for a XXXX XXXX XXXX. I paid {$6500.00} in XX/XX/XXXX to 'pay ahead ' as I knew I had some financial constraints happening in the beginning of XX/XX/XXXX. In XX/XX/XXXX, I was notified that I was past due for my XX/XX/XXXX payment. When I asked why, I was told due to no payment being received since XX/XX/XXXX. When I explained what I had attempted to do, I was told their company does not recognize 'pay ahead '. I asked why I was n't past due for XX/XX/XXXX or XX/XX/XXXX and no one could give me a reason. I scraped for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments each of these months, all they considered 'late '. In XX/XX/XXXX, I paid off the loan, less what I thought late fees were. On XX/XX/XXXX, after speaking with an 'offshore ' rep and Supervisor, I was transferred 'onshore ', where I spoke with two reps, all the while arguing to speak with an 'onshore ' Supervisor or Mgr. I was finally transferred to a Mgr line and was told she was n't available and I would have to leave a message. This Mgr called me back within 15 minutes and after listening and empathizing with me, she said she would put this in for late fees to be removed. She also promised me a return call with in the next few weeks. In XX/XX/XXXX, I called and spoke with a second 'onshore ' Mgr, who said the fees were not waived ( which I knew ) and said she would look into this further and call me back. To this day, I have not heard from anyone. I attempted today to call in and requested the number for the customer advocate for Ally, this number was refused to me without my account information and then the rep hung up on me. I would like this to be reviewed to have late charges waived and my credit bureau updated. At this point in time, I will not consider Ally for any future loans. I am beyond upset and frustrated with their non-compliance of my requests. I have worked for several banks and have NEVER promised a customer something I have not followed up on. **I am including my ssn in place of the account # as I am completing this at work and do not have the account # with 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 explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America fraudulently opened a checking account to someone using my name and social security number on X/XX/17. XXXX Bank of America made two fraudulent " hustled car loans '' on XXXX XXXX, 2017. One in the amount of {$61000.00} and the second in the amount of {$79000.00}. In all these transactions, a valid state form of identification was not produced, there was no income verification, no correct address associated with my name given, no phone numbers associated with me given, and no current place of employment provided. Bank of America refuses to disassociate my name with the loans in their system and has not in any way addressed the status of the open checking account. They indicated to me via phone that their were numerous red flags associated with these hustled loans.

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 2017-08-01 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: TX

Complaint narrative:
I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking Experian to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amount of {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to  comply within the laws.

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 2017-08-01 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: TX

Complaint narrative:
I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit  reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking XXXX to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amountof {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed  documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair DebtCollection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to  comply within the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc.
State: OH

Complaint narrative:
I have attempted to contact PDQ Services Inc. after discovering them on my XXXX report for a debt in the amount of {$2000.00}. I spoke with XXXX XXXX and informed him that I was not aware of the debt and had not receive any type of correspondence regarding this debt. He informed me of the address they had on file. I asked if he could send me verification of the debt. I received one piece of paper stating the amount of the debt and the original creditor which was an apartment complex by the name of XXXX XXXX. I had never rented from that apartment. so I contacted the apartments directly and they had no record of me living there. I attempted to contact PDQ Services and spoke with XXXX XXXX again advising him that I wanted a full detail validation of the debt. He refused to provide any information. He then hung up on me and has refused to take my calls or return calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: NY

Complaint narrative:
Around on or about XX/XX/XXXX, I received a phone call from a collection representative by XXXX XXXX, he advised me he was calling from XXXX - XXXX XXXX XXXX XXXX XXXX. about a debt with XXXX ( XXXX ) XXXX XXXX. I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXXin the amount of {$2300.00}, in XXXX District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number XXXX XXXX. A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened onXX/XX/XXXX.
I called again on XX/XX/XXXX, and spoke with XXXX XXXX  again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!

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 2017-08-01 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: NY

Complaint narrative:
Around on or aboutXX/XX/XXXX, I received a phone call from a collection representative by XXXX XXXX, he advised me he was calling from XXXX - XXXX XXXX XXXX XXXX XXXX. about a debt with XXXX ( XXXX ) XXXX XXXX. I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXXin the amount of {$2300.00}, in XXXX District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number XXXX XXXX. A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on XX/XX/XXXX.
I called again on XX/XX/XXXX, and spoke with XXXX XXXX  again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I obtained a student loan from XXXX XXXX in XX/XX/XXXX. This account was later sold told Navient and was closed/ charged off XX/XX/XXXX. Navient later sold my debt to a collection agency who later transferred the debt to XXXX XXXX XXXX XXXX XXXX. This collection agency has repeatedly called me during all hours of the day during work hours and evening hours. They have also harassed family members whom were down as References these family member have informed me they are being contacted several times a day. It took me calling Navient to find out if their were any income based repayment options for me to find out that my information and debt has been transferred to 2 other collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.

Company response to consumer: Closed with explanation