vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 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: MS

Complaint narrative:
Equifax XXXX XXXX and XXXX XXXX XXXX was sent an initial dispute letter in XX/XX/XXXX of an incorrect reporting of a collections on my credit report. Both companies have been sent 3 letters with 2 being certified by mail letters in which XXXX XXXX never responded and Equifax claimed to do an investigation and stated information was verified. After asking for a reinvestigation from Equifax and demanding for detailed documentation of an original signed contract and the persons first and last name of whom Equifax spoke with at the collection agency to verify that this collection account that is listed as XXXX on my credit report is in my name. I also asked for specific steps Equifax took to investigate this collection, in return all I keep getting from Equifax is " We verified that this item belongs to you. We have verified that this item has been reported correctly '' and still showing the same info to me as listed on my credit report. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me XXXX ) Last Payment Date listed as XX/XX/XXXX is inaccurate and does n't exist. Equifax has violated the FCRA rules by not investigating this account properly and I 'm requesting this collection to be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I recently pulled a copy of my credit file and notice some inaccuracies on my report. I have account that is showing repossesion. I have never did any business with this company that is reporting this information on my credit file. I do know that it causing a lot of damage to my credit file. I have taken the steps of contacting the company and the bureaus about this matter. However neither of them never responded to letters I have sent and the phone calls that I made the companies representatives kept brushing me off. So I have no choice but to contact you guys because I totally believe my right is being violated.Please help me clear this matter up.

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 2018-01-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC
State: VA

Complaint narrative:
The company uses an automated dialer so most of the time when I answer the call I get nothing but disconnected. They do not leave a message when they call. When I finally connect with someone they are asking for someone I do not know and I tell them that but they keep asking questions about how to reach the person, and are very persistent, annoying and harrassing. 

Also, outlaw auto dialers. ALL persons and companies using autodialers are harrassing people

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 2018-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
My student loan has been transferred to kohn law firm and I went to court over it and had signed and agreement to pay than I got some information thru a debt management that said I didn't need to pay because XXXX XXXX XXXX XXXX got a false lawsuit,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting wrongful payment status in XXXX and Experian credit report. My Experian credit report shows late payment for the month of XXXX, is false information attach is payment receipt. made on time.My payment due date is was not until XX/XX/2017.

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 2018-01-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation
State: FL

Complaint narrative:
I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. XXXX told me they can not talk to me. They told me I have to talk with Performant. Performant will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I have received an email from Chase Bank that someone called and let them know that someone posed as me online to let them know that that large purchase would be made to my credit card. I did not make the call and at the end, it says to call me to report if I did not request this spending notification. The email was sent to me around XXXX XXXX and XXXX XXXX and I checked my email around XXXX XXXX at work and I promptly made a call to Chase to find out what was going on to XXXX as per instruction on the email. Someone was making an online purchase at XXXX XXXX online store and trying to charge like over {$2000.00} which was not aware of. I reported the fraud and they promised me that they will protect me and resolve this issue. Next few days, I received a notification regarding this fraudulent charges and the charge was reversed. Today, XX/XX/XXXX, I received a phone call from XXXX at chase bank that she investigated the charges and she can not reverse the charges and she will have to put it back in my account. I asked her to provide me an evidence. but she refused to do so. She kept on saying based on the merchant 's evidence they provided and she can not reverse it because of the evidence but she can not disclose the evidence that is for sure that it was me. When I told her that I want to appeal to this, she said I can not appeal to it. She did not give me a chance to appeal at all. She simply put me on hold for 5 minutes and told me this will go back to my account in next billing cycle. I was upset and I was angry. She did not even give me an option to do anything and trying to punish me for what I did not do. she did not let me speak to a supervisor at all at the time of phone call and she refused to escalate the case after I threatened her multiple times. After numerous argument and yelling and threatening her, she finally told me that she would escalate the case but she still did not provide me with proper information and evidence how she got to her conclusion that the charge is mine which is NOT mine. She told me that she will send me an email but she never. She accused me as a thief, accused me to lying, accused me of deceiving Chase and she caused huge XXXX XXXX to XXXX and a XXXX  XXXX XXXX women by wrongfully accusing me based on wrongful conclusion she made without proper channel confirm it. I want to report this inhumanly treatment she has given me on this wrongful accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: Nelnet, Inc.
State: FL

Complaint narrative:
Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: AES/PHEAA
State: FL

Complaint narrative:
Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST GUARANTY MORTGAGE CORP
State: OH

Complaint narrative:
We closed on our XXXX K renovation loan in late XXXX of 2017. First Guaranty Mortgage took over and would be responsible for dispersing the renovation draws to the contractor. The renovation process was to take 90 days. The contractor had been paid a substantial amount of money for work that was n't permitted, was n't completed, and was done poorly. First Guaranty released all these funds without confirming permits or identifying if work was done up to HUD standards. Also, First Guaranty allowed the contractor an extension past the 6 month FHA deadline without my approval. After finally firing the contractor there was an exit inspection scheduled by First Guaranty the results from this inspection determined that the contractor owed me {$27000.00}. Now I am expected to finish my project/renovation with {$27000.00} less in by draw budget. When I communicated my concern with the individuals handling my draws they said this XXXX I wish there was something more we could do. First Guaranty has offered zero support or assistance in helping me determine how to move forward with my project and often times take multiple days to answer e-mails of phone calls.

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 2018-01-08 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo home mortgage account has been satisfied and reached the Statues of Limitations. Deleted off of 2 reports but not all

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 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
today, XX/XX/XXXX I tried to call TransUnion because we noticed charges every month on our statements while doing our taxes. I called to find out what this was from. Apparently I signed up back in XX/XX/XXXX. I know for a fact I never agreed to any of these services as I would never pay for that. Also, they advertised their services as free or for {$1.00} I cant remember which. I just remember seeing something costing {$1.00} in the past. They also noted that I have never signed into the account or used the services, clearly proving i had no knowledge of the account. I asked for a refund and was told they do not do that by a very rude customer service rep who would not let me speak. I would like to get my money back for a service I did not agree to paying for.

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 2018-01-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: FL

Complaint narrative:
I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. PHEAA told me they can not talk to me. They told me I have to talk with XXXX. XXXX will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: FL

Complaint narrative:
I received a call from XXXX XXXX XXXX and they had offered me a payday loan. I had taken out a payday loan for {$500.00} and now on my Credit Report they are stating i owe over {$1300.00} and am late on payments. XXXX XXXX XXXX are illegal in the State of Florida because 1. ) they are not registered to do business in FL 2. ) their absorbant fees that they charge are illegal against Fl state laws.

I want this immediately removed from all 3 of my Credit Reports.

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 2018-01-08 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: FL

Complaint narrative:
XXXX and Experian has a false payment report in their system from XXXX XXXX XXXX as late payment for the month of XXXX 2017 attach as well XXXX 2017 is receipt of payment made on time. 
Please removed late payment status Removed late payment status from XXXX and Experian for the month of 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 explanation
Consumer complaint received 2018-01-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX account has been satisfied and reached the Statues of Limitations. Deleted off of 2 reports but not all

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 2018-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Dear Consumer Financial, I would like to discuss about paid bill from {$23000.00} to {$1300.00} to Santander Consumer USA comapny. Please check again fix to repair credit on XXXX, XXXX, and XXXX. Thank you. I hope you doing well and Happy new Year! 

Best Regard, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to the companies and transunion that had ran my credit without authorization and did not receive a response. After several attempts and weeks of trying to resolved this issue I reached out to the credit bureau and they disputed the inquiry, however the companies did not respond and the credit bureau asked for an extension. I am requesting that these unauthorized inquiries be removed ASAP. All credit bureaus have complied except trans union and continue to report this information without permission.

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 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: LA

Complaint narrative:
Hello, I have reached out to Us Collections through CFPB, I filled a complaint because they are reporting a false amount on my credit file and also reporting a debt that 's not mines. They are reporting a debt from a company that is no longer in business and in fact selling condos as i have provided in pdf form and in addition this company stated in my CFPB response that i dispute this alleged debt every month in fact i do n't and yes i have sent 3 times a request for validation as they wont give me anything for an apartment, like a lease my drivers license, my signature. I do n't need a letter saying you sent me validation with nothing attached as proof, Im sure as a company you know that 's not validation. XXXX XXXX the mgr @ us collections west, Please send me the lease and my drivers license, you stated that you mailed me a letter on XX/XX/2017 certified mail, provide the return receipt and a pdf with my signature and the address you mailed it to. Im a single mother and trying to better my life and your company are reporting false and detrimental claims against me and this is horrible!!! all i ask for is proof and the correct amount, if there is none do whats right and delete from my credit file. I ca n't sleep at night knowing i did n't create this debt of $ XXXX!!! lets face I 'm not owning this debt and it has only 3 more years to report!! if you have a heart and a family and know how hard it is in this world and review your files and delete as this honestly not me as i have lived in XXXX XXXX for the last 6 years of my life!! I pray that something changes and GOD has his hands in this .... 

Thanks 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 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: KY

Complaint narrative:
On XXXX, XXXX 2016 I was charged with a misdemeanor and had to pay a diversion fee of only {$200.00} and received no jail time. My background check states that I was sentenced to 45 days in XXXX and was on XXXX for 2 years and was charged {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: FL

Complaint narrative:
In 2015 I had rented an apartment from XXXX XXXX and had to break my lease losing my deposit and when I returned the key, was told that they looked forward to renting to me again in the future. 

Recently I paid {$450.00} deposit to look for another rental. Before I was approved for the rental I went into the office to cancel the request. The document I signed stated that I would lose {$75.00} for a filing fee. The office manager stated that he was not giving me back my deposit and called the police to have me removed. I waited for the police, showed them the document, and they convinced the manager to return the remaining {$370.00} of my deposit. I have attached a copy of the document discussed. 

I then notice that on my credit report I see a collection from XXXX XXXX XXXX for {$3700.00}. I have never been notified of what this debt is for and have no idea what it is. I discovered that it was filed by XXXX XXXX. Upon further investigation, apparently XXXX XXXX is not at all reputable and perform these sort of 'vindictive ' actions if any customers dispute their practices, as when I waited for the police and got my deposit back. 

Please advise me on what to do to have this illegal item taken off of my credit report. 

Thank you.

Company response to consumer: Closed with non-monetary relief