vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A credit card was opened in my name fraudulently and I am having a difficult time to get Best Buy/Citi to close the case. In the meantime I have asked 3 times for a copy of the signed application with no luck. They have told me that the individual that applied for the card did so in-person, so there is a paper copy of the application with a signature.

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 2018-11-05 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 Visa credit card : XXXX and XXXX XXXX Visa credit card : XXXX is lost/stolen, and all of the charges/transactions on both accounts are fraudulent, unauthorized and not mine. I want XXXX, Experian and XXXX XXXX to delete, remove and permanently block the accounts from my credit report.

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 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation
State: MO

Complaint narrative:
I have a loan thru XXXX XXXX in XXXX, MO. In XXXX, I notified the office that I had retained an attorney for bankruptcy. I have received 3 phone calls within the past 3 business days ( XX/XX/18, XX/XX/18 and XX/XX/18 ). I have continued to ask they contact my attorney ; however, they are not and are calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: GA

Complaint narrative:
On XX/XX/2018 all 3 Credit Bureaus reported a Vehicle loan on my credit report 60 days late ... ... dropped my credit score over 100 points ... .I explained to them that I have never been 60 days late on this account and that it was reporting incorrectly ... spoke with agents at all 3 bureaus on XX/XX/2018 to verify the dispute ... they claim that the creditor responded that it was reported correctly ... saying I was 31 days late and that it reports 31-60 days late on my report! I asked for debt validation ... I asked what is their method of reporting ... they said everything is done electronically which is against the law ... they should have physical documents ... I also asked for the person with first hand knowledge of my account that verified or validated this to the credit bureaus ... to no avail ... ..no response was given ... I asked for a supervisor ... I was put on hold for over 45 minutes ... ..never spoke to a supervisor at the credit bureaus or the creditor ... I want this late payment to XXXX removed immediately ... .It is completely inaccurate and has damaged my personal credit tremendously! I was recently a victim of identity theft and am just starting to rebound ... now this happens! I asked them if they had a copy of the contract or payment history ... they claim that they did ... but the creditor already told me that everything is sent electronically so I know this can't be true!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: GA

Complaint narrative:
On XX/XX/2018 all 3 Credit Bureaus reported a Vehicle loan on my credit report 60 days late ... ... dropped my credit score over 100 points ... .I explained to them that I have never been 60 days late on this account and that it was reporting incorrectly ... spoke with agents at all 3 bureaus on XX/XX/2018 to verify the dispute ... they claim that the creditor responded that it was reported correctly ... saying I was 31 days late and that it reports 31-60 days late on my report! I asked for debt validation ... I asked what is their method of reporting ... they said everything is done electronically which is against the law ... they should have physical documents ... I also asked for the person with first hand knowledge of my account that verified or validated this to the credit bureaus ... to no avail ... ..no response was given ... I asked for a supervisor ... I was put on hold for over 45 minutes ... ..never spoke to a supervisor at the credit bureaus or the creditor ... I want this late payment to XXXX removed immediately ... .It is completely inaccurate and has damaged my personal credit tremendously! I was recently a victim of identity theft and am just starting to rebound ... now this happens! I asked them if they had a copy of the contract or payment history ... they claim that they did ... but the creditor already told me that everything is sent electronically so I know this can't be true!

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 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
Impac Mortgage dba XXXX XXXX is my lender and servicing company. Over the last 6 months I've had to call and fight with them about a late fee that they hit me with. I have a grace period through the XXXX of each month. I make sure that the payment is in the mail like last month was on the XXXX. The address that I send my payment to is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I live in XXXX, CA and have a father in law that lives in XXXX XXXX. We send him mail on a regular basis and never has ever taken more than 4 days for delivery. I have an Insurance co in XXXX XXXX that I mail payments to and it never takes more that 4 days to deliver, but for some reason Impac Mortgage takes 10 days. I then end up with a late fee that I have to fight about. So XX/XX/XXXX I mail the payment and it was not processed until XX/XX/XXXX. I feel this a way for them fleece their customers. 
I will be moving this to an online payment so to avoid this in the future but It just grinds on me that they do this and then I have waste my time fighting with them. 
thanks XXXX XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I keep receiving emails from Equifax that my dispute has been resolved, but I cant access my results because they STILL have all the incorrect information. 

This is a folIow up complaint to # XXXX-XXXX Because you can only dispute 5 items on the credit report, theyre only investigating the 5 even though I have indicated that every record theyre reporting is incorrect. 

Equifax has been aware of this issue with this same woman since XX/XX/XXXX and when she was convicted of it in XX/XX/XXXX I sent the court paperwork to them for my file and THEY CONTINUED to report inaccurate/fraudulent information on my credit history!!

Ive been waiting 9 years for Equifax to get fix my account and I find it COMPLETELY UNACCEPTABLE that they arent removing this information IMMEDIATELY given their knowledge of this goes back to XX/XX/XXXX. I think Ive waited long enough. I cant fix or dispute any other accounts if I cant access the results or my credit file online. They dont get 30-60 days because theyve already had 9 years! 

THIS. IS. INSANE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 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: PA

Complaint narrative:
Hello, On XX/XX/XXXX, I enrolled into a repayment program with the company XXXX. Beginning on XXXX, and continuing on XXXX, and XXXX, monthly credit card payments were deducted from MY bank account towards my balance with XXXX. 

I was told that after my last payment on XXXX that my account would be made " current '' on their end internally, and that I would receive a new statement, and updated balance to be paid in XX/XX/XXXX. I was also told that my account wouldn't be considered late, or reported to any CREDIT REPORTING AGENICES, as I was making the agreed upon payments. 

In XXXX I began receiving " account past due '' phone calls, letters and emails ; despite having made 2 payments at that point. I contacted XXXX, and was told that this was an error on their end, and that it would be corrected, and my account was not being reported as being delinquent, on either their end or with the credit agencies. 

Two days ago, on Saturday XX/XX/XXXX, I received notice in the mail stating that my account was more than 60 days past due, and after checking my CREDIT REPORT, I noticed that XXXX had reported me for nonpayment. I spoke with XXXX again, today, XX/XX/XXXX, and was told that my account will be update by mid-month, but that the customer service representative I spoke to couldn't correct the INCORRECT issue report to the 'Big 3 ' Credit Bureaus. This is what they told me last month, and their incorrect, and deceptive practices are effecting, i.e., lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: PA

Complaint narrative:
Hello, On XX/XX/XXXX I enrolled into a repayment program with the company XXXX. Beginning on XXXX, and continuing on XXXX, and XXXX, monthly credit card payments were deducted from MY bank account towards my balance with XXXX. 

I was told that after my last payment on XXXX that my account would be made " current '' on their end internally, and that I would receive a new statement, and updated balance to be paid in XX/XX/XXXX. I was also told that my account wouldn't be considered late, or reported to any CREDIT REPORTING AGENICES, as I was making the agreed upon payments. 

In XXXX I began receiving " account past due '' phone calls, letters and emails ; despite having made 2 payments at that point. I contacted XXXX, and was told that this was an error on their end, and that it would be corrected, and my account was not being reported as being delinquent, on either their end or with the credit agencies. 

Two days ago, on Saturday XX/XX/XXXX, I received notice in the mail stating that my account was more than 60 days past due, and after checking my CREDIT REPORT, I noticed that XXXX had reported me for nonpayment. I spoke with XXXX again, today, XX/XX/XXXX, and was told that my account will be update by mid-month, but that the customer service representative I spoke to couldn't correct the INCORRECT issue report to the 'Big 3 ' Credit Bureaus. This is what they told me last month, and their incorrect, and deceptive practices are effecting, i.e., lowering my credit score.

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 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This co. XXXX XXXX XXXX/ and XXXX XXXX XXXX/ XXXX XXXX XXXX and XXXX XXXX XXXX now issuing CA based unknown phone # XXXX call many times would not levee a Mesg I called this # back and finely got some one and they said that they could not give me any info without my SSN and PHONE # I told them they just called me and why are you calling they refused : this co is XXXX XXXX XXXX/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have reported them many time over the last 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
After having a problem with a Payday Lending company taking too much or charging too much interest I sat with the bank and explained the situation and asked if I could closed the existing account and open a new account to resolve this matter. I was I could, I opened the account. They told me that the old account closed only to later find the account was charged a service which I brought to a XXXX balance this past Friday and i was asked if I wanted to keep that XXXX. I said yes because it should be closed. I don't need two accounts. The next day I realized that they took $ XXXX+ instead of just {$4.00} for maintenance fees. This emptied my new account. I first call customer services to explain that it seems to be a account error. I was told to go back to the bank. I spoke to the person who I originally spoke to changed accounts. He directed me to the teller who served me that Friday who happened to not be working Saturday. I just left the bank today and now they want to direct me to the branch manager but told me they had a right to go in the new account without my authorization. How do they have that right to basically dip into any account when most of the time most banks make it necessary for you to transfer monies from a checking to a saving unless you signed prior authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-05 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:
I have been a victim of identity 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 explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The collection ( {$3100.00}. XX/XX/2018 ) on my Transunion report was wrongfully placed on me. It actually belongs to my relative who used my address. I sent Transunion the debt collection notice & medical bill with my relatives name as proof but they still said the collection stands. I contacted the debt collector and even they had my relatives name instead of mine in their system. It seems Transunion was NOT really doing any investigation on dispute and was not willing to fix their error.

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 2018-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
On XX/XX/XXXX I viewed my credit report and Sallie Mae is reporting on my credit report for the year XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX which I requested them to removed from my credit file and the customer service representative name XXXX employee number : XXXX. Stated that that's up to XXXX, XXXX, and XXXX  to remove after 7 years. I requested validation with evidence bearing my signature by fax. This company has a number of 6 different items reporting on my file from years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: AZ

Complaint narrative:
I was a victim of identity theft and filed all of the necessary paperwork including the police report. I sent the paperwork to the credit bureaus and they removed the item from my credit reports. Subsequently, a collection agency bought the debt and attempted to collect on it as well as placed it on all of my credit reports after it had already been removed. So, I sent them a letter with the documentation showing that this was an identity theft item and as per the law, they should not attempt to report or collect on it. Once again, I had to send the credit bureaus documentation for it to be removed. I have been successful at having the item removed from XXXX  and XXXX, but Equifax refuses to do so. This is a clear violation of the law and I need your assistance in having Equifax rectify this problem and remove the item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
I contacted Chexsystems about FRAUD under my social security number and to investigate each reporting bank. I called and mailed them correspondence to dispute each item. I strongly deny these items. I told them the law was to provide me with copies of any documentation associated with these " [ items ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages. They stated they would not investigate and then they said investigation was done in XXXX YET I was not provided any documentation of any kind. 


The accounts below are what's reporting that does not belong to me THAT CHEXSYTEMS SAID THEY VERIFIED YET GAVE ME NO CORRESPONDANCE OF VERIFICATION. 



1. XXXX XXXX XXXX XX/XX/XXXX XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 5. XXXX XXXX XXXX XX/XX/XXXX XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 7. XXXX & XXXX & XXXX XXXX XX/XX/XXXX XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/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 2018-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
Received a letter concerning refinancing my VA home loan. The letter stated that it was a pre-approved loan. It gave specific numbers concerning dates, interest amount and cash out amount. It also stated that it was a firm, guaranteed offer. 
Almost from the beginning of starting the process, everything began to change. The interest rate, the closing date, the cash back amount all changed. I discussed this with them and they offered ways to manipulate the numbers to get me more money, including skipping payments and discounting fees. 
It eventually became clear that it was a classic bait and switch but by that point I had paid for a VA appraisal and termite inspection. 
I notified them that I was cancelling and requested they reimburse me for my costs, which they refused. 
They denied the facts of the letter they sent and requested a copy, which I sent them but basically said to bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority
State: RI

Complaint narrative:
My student loans changed servicers and no longer has a distinct account number for each loan. It is now impossible to send payments outside of the website and specify accounts. As a result, I have had to file standing instructions for how a recurring monthly payment is allocated. 

The standing instructions are never followed and I must manually request the payment be corrected every month. I have asked instructions to be corrected several times, but the issue is never resolved.

Company response to consumer: Closed with explanation