vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute with Experian and the received to on XX/XX/2018 and I have yet to here back about the investigation. They have not provided me with permissible purposes or written authorization I have another complaint but forgot to upload proof.

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 2018-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Our forebearance of one year ended in XX/XX/2018. The anount of {$370.00} was due each month and I never missed a payment. I made a call to Navient to extend the payment amount ( {$370.00} ) due to the fact that the student is still not working and that I, the co-signer am on a fixed income. 
I gave all my financials again and was told there should be no problem, a supervisor had to approve it and the student had to be contacted. 
Navient contacted the student and told him he had to pay {$490.00} a month, never including me in the repayment schedule. 
I immediaely called Navient to again explain my financial situation and that the student is not working or paying this loan and was told it was too late. How can Navient negotiate with a person who has no means of of financial support and disregard the person who is paying the loan? 
As far as I'm concerned they practice predatory lending and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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:
I need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for XXXX  XXXX XXXX XXXX and TransUnion They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted XXXX first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted XXXX and had he same issues with them. I was unable to get in touch with a person. Next, I contacted TransUnion, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.

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 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for XXXX , Experian , and XXXX They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted Experian first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted XXXX, and had he same issues with them. I was unable to get in touch with a person. Next, I contacted XXXX, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.

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 2018-04-04 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: FL

Complaint narrative:
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that THEY ARE NOT BONDED in my state. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 2 ) National Credit Systems Inc XXXX XXXX XXXX XXXX  GA XXXX Bond number XXXX Amount reporting {$3000.00} Date of reporting XX/XX/2012 XX/XX/2012

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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 — Investigation took more than 30 days
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/2018 Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
My mortgage was with XXXX XXXX XXXX XXXX XXXX and it is serviced by Loancare LLC. 

As a condition of my mortgage, hazard insurance was escrowed and paid yearly by the servicer. 

Inexplicably, Loancare LLC stopped escrowing my hazard insurance and never sent me a notice as required by TILA. My hazard insurance was not paid and remains in lapse since XX/XX/2018. I have tried to get this fixed with Loancare. However, my home remains uninsured. 

I will not be able to afford the much larger payment resulting from the new escrow analysis ... if this ever gets fixed ... because they'll charge me going forwards for the hazard insurance, and for that which they screwed up. This will increase my current payment by as much as 25 %. I believe this to be a UDAAP.

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 2018-04-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
We bought a house in XX/XX/XXXX. In XX/XX/XXXX I filed bankruptcy Chapter XXXX only credit cards and my husband filed bankruptcy Chapter XXXX also in XX/XX/XXXX. We always been on time on our mortgage payments, never late because we want to keep our house. We started to build our credit two years ago and we noticed that the mortgage company is not reporting our mortgage payments to the credit bureau since the time we filed the bankruptcy. I called the mortgage company and they said they need the ( reaffirmation letter ). I tried to contact the bankruptcy lawyer about this letter but I can't locate her anywhere, her office is close and there's no other way to contact her. This problem is holding our credit score back and we think is not fair since we've been paying on time since the time we bought the house. I understand buying a house and a car paying on time helps to build your credit a lot because is a big responsibility for many years, this is not helping our credit. We pay every month {$2200.00} and is not fair that they don't report it to the credit bureau. If they would we would have an excellent credit score. This affect our credit because we can't get a decent rate based on our score. We would appreciate everything that you could do to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I called diversified consultants inc. sometime last month about a collection that appeared on my credit report about an account in the amount of XXXX dollars from XXXX XXXX   and have no idea what this is for. The debt collector told me it was not on file and could no find it anywhere. But then tells me that I have another collection from XXXX XXXX that was not yet reported and I disputed that one they sent me pack a letter saying that it was closed and the wont be able to get info need to verify that account. They are attempting to collect debt without following the guidelines from the fdpca and fcra. They dont have verifiable proof that this account belongs to me or an original contract with my signature the account in the amount of XXXX from XXXX XXXX should be removed at once and I didnt even get a chance to dispute this before the place it on my credit report. If it is not removed I will be forced to take litigation against diversified consultants inc. for damages to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a XXXX card and never missed or made payments late. My due date is on every XX/XX/XXXXof each month and on XX/XX/18 when I tried to log in to my account to make my payment online as I do every month and I got a message saying that my account was locked for 24 hours. I contacted XXXX to unlock my online access and was unsuccessful. I was transferred several times to different representatives. I then was connected with a representative who introduced himself as XXXX and he introduced himself as a supervisor. I explained that I needed to make my payment since I travel for living and was going to be out of the country on XX/XX/18 and was advised that since my card was expiring in XX/XX/XXXX, a new card had been issued and my online access was locked until I registered the new card. I explained that I had not yet received a new card and needed to make my payment online to print my transaction and he told me that he was going to give me until XX/XX/18 to make my payment and if payment was not received by the XX/XX/XXXX, a late fee would be accessed. I explained to him that I have no control on when I will receive my card and since I have a valid card until the end of XX/XX/XXXX, I should not be locked from my online access and he said the XX/XX/XXXXwould be the date before a late fee would be accessed. I filed complaints with the XXXX  and CFPB and got a call from XXXX in the CEO 's office. I returned her call and she said that she waived the late fee and I advised her that I would make my payment as soon as I can log in to my account. She also said she was sending me a new card, so my old card is no longer valid. I am still waiting for the new card, but started to receive aggressive calls several times a day from the collections department, although my account is only 9 days late. They call and leave a recorded message or simply call and do not leave a message.

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 2018-04-04 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 need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on

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 2018-04-04 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:
I need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on

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 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I filed an return protection claim for an external computer trackpad after the merchant refused to take it back because I was past the 30 day return period. I mailed it to Citi Card Benefits Administration/ XXXX   XXXX XXXX using the prepaid label that they gave to me. According to the company, it arrived cracked, therefore it was damaged in transit ( I mailed it in new condition ). I asked the company to either make and exception for the damage in transit or to send it back to me. The company said it would send it back to me via XXXX ( tracking number XXXX ). However, the package has not shipped in over two months and after I have called the company multiple times no one can seem to tell me whats going on and the supervisor refuses to return my calls. 
Claim : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a collections credit alert on my credit report from XXXX XXXX for {$910.00} dollars. I contacted them and asked them to verify the debt, including agreement that authorizes them to collect this debt, the agreement which bears the signature of the debtor and the complete payment history which shows the amount they are truing to collect is valid. 

On XX/XX/XXXX, I received a canned letter from XXXX XXXX stating the debt was verified and a single page from a ( XX/XX/XXXX ) XXXX XXXX statement. The information they provided did not verify the debt. 

On XX/XX/XXXX, I mailed XXXX XXXX a second request to verify the debt and include the requested items required to verify the debt under FDCPA. They have not responded with the requesting verification.

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 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: KEYCORP
State: CT

Complaint narrative:
I am a XXXX and have been for 32 years. I am now forced to use Key Bank, as they took over from XXXX XXXX. My account has lots of O/D CHARGES, due to the way they process the checks and deposits. I have a on line account so that I can see everyday the account balance. I have not had a negitive balance at all. They have bounced several checks from XX/XX/18 and on. 
I was never notified and did not receive any checks back. The employees at the branch don't know any information and can not help me. At this point I feel helpless and do not know where to turn. Many people in this area have left the bank due to confusion on their accounts. I would appreciate your looking into this bank and it's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Management, Inc
State: TX

Complaint narrative:
The most recent call was on XX/XX/2018 at XXXX XXXX. I had been getting numerous calls from this company in reference to a relative. I Kindly told them about 6 or 7 times I have no contact with this person. Around the 8th call I finally asked to be put on their internal " do not call '' list. The lady who I spoke to was extremely rude and hung up the phone. When I called back they gave me the run around, kept putting me on hold and when the person came back on the phone I asked for their name. She told me here name was XXXX. I think that it is a fair and my right to asked to not be called anymore after numerous calls, especially about someone else 's debt and not be treated in a rude way.

Company response to consumer: Closed with explanation