vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated site.They are going by the name  XXXX   XXXX   XXXX   XXXX  Phone: XXXX  The attorney generals office informed me to submit a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated  site.They are  going by the name  XXXX   XXXX   XXXX   XXXX   Phone:  XXXX  The attorney generals office informed me to submit a complaint here.

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 2017-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I recently had a lease vehicle repossessed by   XXXX   XXXX   XXXX   out of  XXXX , MI. The fellow who repossessed the vehicle stated he knew my nephew and such. I was cooperative and was not at all angry. I did today receive news that this agent went to my nephew and told him he had repossessed my truck and was looking for my wife 's truck. My property is posted no trespassing which he violated as well. My problem with them is that they violated my privacy by telling my personal business to people. What is my options for recourse with this agent and company?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
1 ) Trans u nion is still reporting my BK filed in  X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file.     2 ) Inquires not authorized by me are on my file and should be removed and have not been removed.
3 ) Dis  puted accounts have not been removed after the 30 day limit to respond by the creditors Thank You  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 2017-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: CO

Complaint narrative:
Hello, On  XXXX   XXXX ,  2017, I m ade a payment over the phone via debit card with Avant in the amount of {$3800.00}. On  XXXX   XXXX ,    2017, I a ttempted another debit card payment, this time was to payoff the loan, the total at this time was around {$1800.00}. Avant rejected my payment and said they are not allowed to take a debit/credit card payment unless the account is seriously delinquent. On their website, I am unable to change my banking information on their website, nor am I able to make a payment. The company is REFUSING to accept a payment, and only did so once I was able to payoff the loan in effort to stretch this out and collect more interest which accrues daily. I 've asked them four more times to take my payment and they still refuse. I now requested they remove the interest that has accrued since  XX/XX/XXXX  and they advised they will review which takes up to 14 days.  <P/> The same enforcement action the CFPB took against the student loan companies and payday loan companies is the same action I am requesting her e. Avant i s refusing to accept a method of payment, which they 've previously accepted, to accrue more interest on the payoff which is now more than 200 dollars and I will not be bullied into doing it! By refusing to take my payment, and not having alternate means by which to accept payment, they are causing financial harm to me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
this loan originated in  XX/XX/XXXX . I have made consistent payments since  XX/XX/XXXX . almost 10 years. Variable rate loan. I have made late payments but the payments have been made monthly with a few exceptions. The balance never goes down, For the original  XXXX  loan I pay arou nd 96.00 p er month. the pay off date is  XX/XX/XXXX . Every time I request a payoff the balance is the same, Just over  6k. NAVIENT h olds the loan. I have asked customer service repeatedly about this problem and requested payment histories to no avail. They say its the interest. I was told 2 years ago I should start seeing the UPB go down I have seen little to no no decrease. I have heard that Navient previously  XXXX   XXXX  have used questionable billing tactics in the past and I just want to know if my payments are being applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: TX

Complaint narrative:
XXXX XXXX AKA XXXX is not reporting correctly to Experian that my account was delinquent as of XXXX, 2010. This is extremely important due to the fact that adverse credit accounts are suppose to drop off of the credit bureau after seven years per the Fair Credit Reporting Act. The account was later brought current and paid off. It is still showing on my current Experian credit report when the credit delinquency if great than seven years. XXXX XXXX were reporting the XXXX 2010 delinquency 's correctly to XXXX and XXXX. The account has dropped off of these credit bureaus due to the 1st reported delinquency 's are greater than sever years old. I have contacted and requested twice now to XXXX that they correct the credit reporting with Experian. They have refused to do so. Experian defers to the lender so they will not remove it either. They are in violation of the Fair Credit Reporting Act. <P/>I have attached a copy of my mortgage Statement dated XXXX, 2010 that shows my payment due date is XXXX XXXX, 2010 which also shows 2 past due payments ( XXXX & XXXX 2010 ). See the bottom of page 2 in the attachment for past due details. I have also included a copy of my XXXX report that shows XXXX XXXX reported me as past due from XXXX thru XXXX 2010.  XXXX and XXXX has subsequently removed this from my file since it is seven years old as required by the Fair Credit Reporting Act

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 2017-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.

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 2017-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I bought my home last year and moved in in  XXXX   XXXX    XXXX   ). I called  Home Depot to update my my address for my credit card ( from CitiBank ). I never received my statement at the new address, and kept calling them about it. At the same time, I kept making payments from my onlin e banking. I always made payments greater than what my minimum payment was, however I just found out my account is delinquent and they will not make any adjustments because they are saying it 's my fault that my account is late. I have never been late or had issues with any of my credit cards.

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 2017-06-05 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: WI

Complaint narrative:
1 )   XXXX   XXXX  is still reporting my BK filed in  X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file.    2 ) In quires not authorized by me are on my file and should be removed and have not been removed.    3 )  Disputed accounts have not been removed after the 30 day limit to respond by the creditors Thank You  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 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
since Shellpoint mortgage services took my loan from  XXXX   XXXX   XXXX  they accused me I miss two payment and keep changing the date and year of missing payment.   I contact them since da y one and the assigned case manager  From  XXXX   XXXX   XXXX  as a  manager of BK dep artment which I 'm in chapter  XXXX  protection now no response and I keep call to find out what is going on and after that they keep changing ca se manager for 4th times  and I start explain all over and they answer was same every time which we will review your file and get back to you which never happened and I have all our email conversation copy.   Now after 3 years back and fort they file Notice  of Motion And Motion for Relief from  the automatic stay unde r 11 U.S.C 362 and dema nding   XXXX   XXXX   XXXX  to pay or loss my home after 20 years and raise my family.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I was an  XXXX   XXXX   XXXX  customer for several years before, on their suggestion, I switched to their  XXXX   service ( after th ey had bought  XXXX   ). I kn ew I was moving in around a year, so I vehemently asked and asked about early termination fees, and was told I was n't subject to them because I was already a customer. I was required to pay some of the installation fees over the phone then. When technicians visited my home to perform the install, I once again asked about early termination fees and was not told of any. After they installed the equipment, and after they charged me the final installation fee, they then asked me to sign their agreement on their electronic device. I once again asked about early termination fees, and they said none.     Fast forward a year, I request to close my account because I 'm moving. My bill comes with a {$340.00} early termination fee. I disputed this with  XXXX  and  XXXX   XXXX   XXXX , wrote a letter to their Office of the President, and was finally told they would n't reverse the early termination charge. They even told me they 'd just draft the money from my bank account I had been using for autopay, even if I removed it from my account and after I, in writing, told them they were not authorized to draft from my account. They still tried.     I heard nothing for several months until  XXXX    XXXX   when they handed the account off to Diversified Consultants (  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL,  XXXX , (  XXXX  )  XXXX  ) who I never received any statement or letter of debt from, nor any phone calls. I would not have even known this was a " collection account '' if not for checking my bureau.     I do not owe this debt, I have reported it to the FTC for deceptive business practices and my  state AG. I will  be filing a lawsuit against both  XXXX   XXXX   XXXX  and  Diversified Consultants.      *Attached is a certified letter sent to  XXXX   XXXX   Office of the President  .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: MI

Complaint narrative:
It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.

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 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On  XX/XX/2017    I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XX/XX/XXXX  I accidentally made  XXXX  electronic payments. I placed a stop payment on one of them to avoid an overdraft and let the other payment process through my bank. I notified  XXXX  of my Intentions on  XX/XX/XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all three credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in the two years since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you with one

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 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On  XXXX / XXXX / 2017  I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XXXX   XXXX  I accidentall y made two electronic payments. I placed a stop payment on one of them to avoid an overdraft and le t the other payment process through my bank. I notified  XXXX  of my Intentions on the  XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all  XXXX  credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in  the two ye ars since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you  with one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
On  XXXX / XXXX /   2017  I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XXXX   XXXX  I accidentally  made two electronic payments. I placed a stop payment on one of them to avoid an overdraft and l et the other payment process through my bank. I notified  XXXX  of my Intentions on the  XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all   XXXX   credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in t he two years sin ce opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide y ou with one

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 2017-06-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 'm having a few problems. I first need hard copies of all three credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and Experian has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not. Experian has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.

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 2017-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
Missing {$350.00} in payments to my loans, please see attached for the list of payments that are missing and the acknowledgments of the payments.On  XXXX 17 Interest was paid twice, once on  XXXX -17 and once on  XXXX -17. All the amounts from the acknowledgments did come out of my bank account.

Company response to consumer: Closed with explanation