vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court located at XXXX XXXX, KY XXXX. I mailed a letter certified to the whom they advised reported this information and the letter was retuned as undeliverable. They did not provide a name or a number for the reporting agency so I researched and found a number to make contact. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
Unknown item which I have disputed, requested validation and received nothing and this unknown item is still listed on my personal credit file which is unknown and I do not owe any medical debt. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Ditech mortgage has been charging me escrow since XX/XX/XXXX. my taxes were always paid by me. They have overpaid the City of XXXX XXXX taxes 2x and are not correcting the problem. This all stemmed from a XXXX charge from DiTech on XX/XX/XXXX, I called to make sure it was it was cleared up because they said I did n't pay my taxes in which I did. I sent them proof. XX/XX/XXXX I paid my taxes and Ditech paid too. I specifically stated that I pay my own taxes and insurance from the beginning.I sent a letter showing a credit XX/XX/XXXX in the real estate tax office of XXXX. I told them not to pay the City of XXXX XXXX because they were paid. They paid anyway and charged me. I also have always paid an extra {$1000.00} extra principal. I can not get this straightened out as they keep overpaying my real estate taxes and refuse to send me a copy of a letter they sauy sent to City of XXXX XXXX for a refund. 
This is the worst mortgage company I have ever dealt with in 20 years. 
Please help. As of today they are charging me for escrow and the city has a XXXX credit of real estate taxes in my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I cant access my credit report online with Equifax and I have talked to several people since XXXX with no success. They claim its a glitch in their system and it would take 7-10 days to fix. However they have been telling the same thing for 3 months. As a result, I cant access my XXXX and XXXX files credit files via another credit monitoring services I am paying for. I recently canceled my service with Equifax because I have no access to my report but was still being charged monthly. They claimed to have refunded me for a month 's service fee but I never received the refund back in the bank account it was debited from. Furthermore, as of Friday XXXX XXXX I was told that I should upgrade my service and that would fix the problem of me having access to my report. Upon payment, I was told that the payment didnt go through and thats why I didnt get my updated report. I gave another card when I was told it must be the credit card company refusing the transaction. Finally, I gave my debit card and I still did not get access to my report. That is when they realized it was n't my cards but once again their system. I was basically charged {$19.00} four times between XXXX of my bank cards and still have no access to my credit file. After that they transfer me to another dept who stated that it may be because I did n't put my middle initial and that must be causing the problem with their system and the other credit monitoring system I use which is XXXX. I was told to re-sign up for their service and include my middle initial. The problem with that is, upon signing back up, their registration page does n't ask for a middle name! They 've instructed me to end in my drivers license and ss card which I have now done approx. seven times! They are either incompetent or playing games. I am getting the runaround and it is very frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
Filled out a pre-qualification form, was advised checking to be qualified would not affect my credit, unless I applied for the loan. After filling out the form, the next page asked for more information, but did not indicate that I was not prequalified and filling out the extended form would be a hard pull. 

Secondly, was not informed ahead of time that I was applying for a vehicle title loan, of which I am not interested in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
filed a complaint with cfpb and against XXXX /transunion and a pay status was added to the account that this was a chargeoff account, this was never listed that way before, it was settled for less than amount owed but never charged off it should just say paid, XXXX was paid through XXXX also and they are reporting paid {$0.00} pay status current, on the XXXX account XXXX and XXXX is reporting paid {$0.00} pay status unknown and current, TransUnion is the only one reporting late payments when they were reporting after the account was paid. The pay status just needs to read current

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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
On XX/XX/XXXX, I pulled a copy of my credit report from Experian. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to XXXX disputing said alleged account and asked for validation. 

Experian failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to Experian requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has Experian marked my credit report as being " disputed '' ; although, Experian continues to report said item.

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid this account off in full and yet they are still listing themselves on my account as unpaid. I want them completely removed as the credit reporting company agreed that this account has been paid to a {$0.00} balance and indeed, should not be still appearing on 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 explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed some accounts on my credit report with this agency. they said that the accounts were verified but have yet to send proof I know by law they to send me proof that the accounts in question verified in a lawful manner have yet to receive anything

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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
all XXXX credit report companies are stating on my reports that these companies are telling them i had lost or stolen cards and identityt theft which is not true or accurate. 
XXXX and XXXX cards are filing stuff on my report that i had lost or stolen cards and that i had identity theft and i have not ever had such a problem. they have cancelled the cards out now because im pisted off they keep adding stuff to my report that is not true or accurate i have called them several times and all XXXX credit report companies as well. i had top excellent credit a few months ago now it went down and i cant even get a credit card now when i apply cause of them putting this on my report and XXXX of my other credit card companies have also cancelled out my cards as well like XXXX card and another card i had. they said until this is taken off my report my credit is bad now cant get approved for no cards or loans and they wont give my credit cards back until its taken off. i need this taken off so my credit goes back to excellent again its bad right now cause of this companies putting stuff on my credit reports and now i cant even get approved for a new credit card since they did this this last month. please help me get this off my report the XXXX and XXXX cards info about lost or stolen cards info and dont allow them to report more bad things on it, i really want my credit to be excellent but credit report companies are destroying it as well as XXXX reporting it on my credit reports and i want it fixed asap. so i can get my XXXX card back and my other credit card and i want to apply for loan but i cant even do that as of right now cause of this fraud alert and lost or stolen cards they have put on my report. just the info taken off about stolen or lost cards or fraud alert or identity taken off, let me know. the XXXX XXXX and XXXX cards they closed themselves because they saw this on my report as well, so their own company cancelled me out cause they put this on my report themselves XXXX but they are accusing credit reporting companies for doing this so i dont know if credit reports are causing teh issues or XXXX but i want it off immediately cause its inaccurate information.

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 2017-03-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
A debt verification letter was sent 31 days ago and no response was ever received. The debt is still being reported on my credit even after they failed to properly verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Basically the same complaints filed against XXXX and XXXX. Refusal to properly investigate improper hard inquires allowed against my authorization. Fraud Alert placed XX/XX/XXXX has not been honored. I only signed XXXX applications after Fraud Alert only XXXX but I have over XXXX hard inquiries. They refuse to remove as they need letters. 
Please help if possible to get these removed, Thank You. XXXX XX/XX/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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please find attached the documents for disputing inquiries i never authorized, and also XXXX XXXX account that i never had delinquency, and never late payments, please have these inquiries removed from my credit file. and the late payment which is a very disturbing negative on my credit file removed. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There were 5 XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

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 2017-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I refinanced my student loan in XXXX of 2007. I have been making on-time payments on this private student loan for more than 10 years. Recently, another company began claiming that I owe THEM a balance for an additional private student loan. They are claiming that my loan was " paid forward '' 10 years, and that it was not in fact " paid off '' when I refinanced my loans via another company. This information was never communicated to me. In addition, the amounts they are claiming I owe do not match. There are typos in their correspondence that makes it very unclear what the actual amount " owed '' is. They refuse to tell me who " paid this loan forward '' 10 years ago. They have provided no proof that this is a valid debt owed, other than single page letters with simple verbiage saying that it is valid. There is ZERO documentation to show a history of this account or signatures of any kind. They sent a promissory note that says the loan is owned by XXXX XXXX, no mention of their company name, Navient. The amount shown on the promissory note does not match anything else I have either. In trying to talk with them to understand what is happening, they simply tell me that I must pay them in order for them to help me. This appears to be completely fraudulent, and they have provided absolutely nothing proving otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
My loan is with Navient. For the past several moths I 've been having issues getting to my information then found out is was incorrect in their system. My social security number and account number is under someone else 's name and birthday they refuse to help me correct it or and gave me abother number to call but it was automated and could n't get me anywhere. I 'm suppose to make a payment on XX/XX/XXXX but ca n't because I ca n't get into my account but yet when they send me bills my information is correct. Ive also tried to lower my payments because with all my other bills i struggle to come up with that much extra money, but they have told me i have no other options and havent even tried to work with me. Ive even told them that im about to go through a divorce and will be a single mother making uner XXXX a month and they told me there was nothing they could do. I 'm not sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
My daughter was taken to Texas XXXX due to a XXXX that she obtained during a basketball game in XX/XX/XXXX. As her parent, I was asked if I wanted a XXXX to be conducted. I advised that I did Not if the cost would not be covered by my insurance. My daughter was then taken from the room with no communication to me that a XXXX was being performed. I later received a bill from Texas XXXX for {$1500.00} in which I called to dispute and was informed to submit a dispute online. I later called to follow up on the dispute and spoke with an billing agent whom communicated I did n't have to take any action while the matter was being researched. I never received results of the escalation or additional billing. I however, did receive notification from a Collections Company dated XX/XX/XXXX. My concern is erroneously damaging my credit report and pursuing collections on a charge that I disputed and should not be liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I rehabilitated XXXX loans through XXXX which were then transferred to Navient on XX/XX/2017. At the end of the rehabilitation program, 16 % collection cost fees were added to the principal followed by a 1.5 % Rehabilitation writeoff. The totals were {$48000.00} principal, {$8000.00} collection cost fees, and {$1100.00} Rehabilitation writeoff. The total principal transferred amount transferred from XXXX to Navient barring interest was {$55000.00}. ( confirmed by XXXX ) Navient is stating the total is {$55000.00} plus an unpaid collection cost of {$1100.00} for a total of {$56000.00}. They are charging me for the fees that were written off by XXXX. I have filed two disputes with the Office of the Customer Advocate at Navient and received the exact same denial response document both times. They are very unhelpful over the phone and claim to not have any answers. They schedule a supervisor to call and discuss but the call never comes. They are unwilling to discuss the disputes I have with the additional charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Scott Fetzer Financial Group Inc.
State: CO

Complaint narrative:
The sales representative stated multiple times that I would not pay any interest if the loan was paid off within one year. I asked for confirmation of what the one year date would be, and he pointed to the first payment date. XXXX payments of {$39.00} have been made as of XX/XX/2017. I became worried after checking my credit report and seeing the full amount with interest was reporting. After logging into my UCFS account and viewing the payoff amount, I realized that the payoff did in fact include a very high amount of interest. The payoff was {$920.00} and good through XX/XX/2017. The original loan amount was {$1000.00}. XXXX payments of XXXX without interest should have shown a payoff of {$800.00}. I emailed UCFS with these same details, and asked for a resolution of an agreed upon payoff amount of {$800.00} due to the multiple verbal promises I received that turned out to be a lie. A lady by the name of XXXX called me in response, and simply stated that unless I could supply written proof, that they would not do anything about it. I would agree that it would appear that I am bound by the agreement I signed, if it were not for the deceptive practices this company and their affiliates practice. It does not take long to piece together information regarding this company and its affiliates showing a pattern of deceptive practices that affect a large amount of consumers. UCFS is under the impression that it is legal to say whatever you want to get the consumer to sign, and that you are " home free and clear '' once that is done. Furthermore, I attempted to pay the full {$920.00} by debit card and by bank draft via their website, and I received an error of incorrect CVV code and incorrect payment amount respectively. The CVV code was correct, and the payment amount was taken directly from their payoff information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I 've been disputing this for 2 years now. I recently Pulled my credit and saw XXXX is still on my Credit report for $ XXXX. I do not recall this debit, I sent four different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. XXXX is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting 4 late payments from XX/XX/XXXX between 2 credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these 4 late payments which are unsubstantiated are damaging to my financing.

Company response to consumer: Closed with explanation