vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 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:
I have sent three separate letters to Equifax dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking Equifax to provide me with VERIFICATION of the below mentioned accounts reporting on my credit report. Equifax has repeatedly ignored my requests and repeatedly violated section 15 U.S.C. 1681 of the FCRA.

They have instead, negligently forwarded my requests of EQUIFAX to verify over to the furnishers of credit. These SAME furnishers have responded each time by UPDATING different information on my credit report which further lets me know that not only does Equifax not keep documents to verify that a furnisher is reporting accurately but they also do not verify that the information being sent to their crediting reporting agency is accurate either from the numerous updates and corrections supplied by these furnishers. 

Equifax 's negligence to disclose to me all of the documents that they have recorded and retained in their file concerning the accounts in question has made it difficult for me to receive the best possible rates on loans which in turn has caused me to suffer to spend more out of pocket than I would have to if Equifax would simply comply with the federal law. 

I am sure that Equifax is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilites to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burder back to the consumer and the credit grantor can not fulfill the obligations impost by 1681 ( a ) ( 4 ).

The following accounts are in question : 1- XXXX XXXX XXXX XXXX XX/XX/XXXX 2- XXXX XXXX XXXX opened XX/XX/XXXX 3- XXXX opened XX/XX/XXXX 4- XXXX XXXX XXXX XXXX opened XX/XX/XXXX 5- XXXX XXXX XXXX opened XX/XX/XXXX 6- XXXX XXXX  XXXX opened XX/XX/XXXX 7- XXXX XXXX XXXX opened XX/XX/XXXX 8- XXXX XXXX  XXXX opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 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: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
Re : XXXX, credit acceptance ... ..XXXX, cfpb ; all reference appears to be in the co-signers name, XXXX XXXX instead of the " car owner 's '' name..reidun creamer, my daughter . quite clear is the premise of XXXX 's credit report, and quite clear is the company 's reporting to the credit bureaus ... .however, since CAC ( credit acceptance corporation ) is a high risk consumer acceptance company with 21 % or higher interest rate in Colorado to XXXX, with XXXX as co-signer ; and since duplication of any notices to either parties sent, minus any telephonic inquiries to either party wondering or stating that possibly an error in account numbers may exist and why would reidun buy this car with {$1600.00} down and make no payments whatsoever causing a repossession. If CAC would find presence and premise to show relief from reporting this account as a repossession on XXXX 's account, he can go forward with a VA home purchase. if the negative reporting remains, then both XXXX and XXXX may have no recourse but both filing Chapter XXXX bankruptcy, not using the CAC account as credit going forward. We do believe errors on both side exist, and possibly a solution can be seen to rectify and reward.

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 2018-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I responded Yes ( put my loan in forbearance ) to Nelnet 's automatic text message system when I missed my payment date.

I have had friends do this and they told me that is all they had to do so I assumed I was okay.

Approximately 90 days later, I get a credit monitoring alert on my credit card saying I had a multiple accounts being reported 90+ days late. Come to find out, it was Nelnet not claiming I was in forbearance. I immediately put my loan in forbearance to prevent any more negative action.

Nelnet claims I did not do this. I have no record of this text message. I tried to obtain it from XXXX but too much time had passed.

I do not understand this logic. I had and still have plenty of forbearance time left, why would I not put my loan in forbearance if I had time left??

All I can do is continue to file report after report, I can no longer afford to have this on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On Tuesday XX/XX/XXXX en route to my office building, I was hit by another vehicle who ran a red light. At the scene, I was transported to the hospital for injuries and my insurance company XXXX immediately began No-Faults claim to my incident. 

XXXX has received a payoff letter from XXXX XXXX and the amount I owe is substantially more than what XXXX is offering. When I called XXXX XXXX, I spoke to a representative who was able to review my loan docs and stated that my application had to be returned because the GAP application was missing. Upon reviewing the document, I can tell it was completed by the dealer and signed by the dealer. The signature does not look authentic. In addition, the name used was " XXXX XXXX '' whereas all other documents concatained by government name XXXX XXXX. 

I am seeking help and retribution to the GAP Insurance that should have been included in my auto loan. This was not my first vehicle i've purchased. I believe the dealership may have done some evasive maneuvering to exclude this from my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
On XX/XX/2018 I wrote a Validation Letter to XXXX XXXX and sent the letter via email to XXXX, and XXXX requesting additional information about a medial debt. More specifically I requested which doctor, or facility I was seen at, and an original bill or detailed statement of procedure preformed. One day later, XXXX sent me a letter with the same information that I already had but XXXX still couldn't tell me where I was seen, or what medical service was preformed. I am currently writing XXXX an email that references XXXX Circuit Court of Appeals, XXXX v. XXXX, to give them an example of how the court gives the interpretation of 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 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As of XX/XX/18 i have been trying to get an UPDATED payoff demand so that Bank of American can receive a FULL PAYOFF ... ... ... ... ... ... .BAC is claiming the authorization was denied because the signatures dont matcH .... OF COURSE THEY DONT MATCH THE ORIGINAL SIGNOR IS DEAD!!!!!!!!!!!!!!!. I have faxed in the authorization, copy of death certificate, and the probate paperwork MULTIPLE TIMES. ( see attached ) Bank of America is REFUSING TO PROVIDE A PAYOFF DEMAND TO ME AS THE AUTHORIZED THIRD PARTY.

WHY is Bank of America allowed to do this -- - isnt this ILLEGAL????????????????

I want a payoff demand immediately and without further delay.

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 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I have been attempting to dispute and resolve this account with Porfolio Recovery for almost 2 years. I have requested ( via certified mail ) validation of the debt. They have not complied with the request, instead sending me basic information, not including proof they purchased this account from XXXX XXXX, not including proof they are legally able to act as a collection agency in RI and not providing dates of the account, dates of delinquency, etc. 

After having no luck I retained Attorney XXXX XXXX ( XXXX ) XXXX to attempt to resolve this collection or to file bankruptcy on my behalf. They refused to speak with the attorney until I signed an Authorization from Portfolio Recovery giving Attorney XXXX permission to speak with them. I did so over 6 weeks ago and Portfolio has refused to commnicate with my attorney 's office. My attorney has left messages over the past 8 weeks and they refuse to discuss this matter with my attorney.

Also, I pulled my credit report and they are incorrectly reporting this account. According to XXXX I opened this account on XX/XX/XXXX ; however, the first delinquency was XX/XX/XXXX, 7 months BEFORE I opened the account. Again, because Portfolio will not respond to my attorney they will not correct this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or about XX/XX/XXXX, Everbank contacted me multiple times from a blocked or masked phone number to collect a debt, which is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I wrote a letter to the company of IC Systems and ashed them to send me something validating this account. Something that proves I am indeed the person responsible for paying this debt. I received a letter back stating that they can not verify that information, so I would like this account removed from all 3 credit bureaus.

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 2018-05-29 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: MA

Complaint narrative:
I have disputed an alleged debt reported by XXXX to all three credit bureau however each time Ive disputed the alleged debt all three bureaus have stated that XXXX has disagreed with dispute and therefore the alleged debt has remained on all three bureaus. XXXX  reporter to the bureaus that I opened and established a loan in XX/XX/2005 with them however I was not a college student. I asked the bureaus what form of verification did XXXX provide to them supporting the alleged debt however they were unable to confirm the documents. I also inquired from the bureaus is there any documents that I could give to confirm that I wasnt a college student and nor that I ever entered a loan agreement with XXXX. I also asked the bureaus if XXXX provided any original signed agreements supporting the alleged debt however I received no response, they were unable to provide that information. I am asking that the alleged debt of XXXX be removed from all three bureaus.

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 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Have joint checking account with mother who recently passed away. Approximately XXXX in account. 
XX/XX/XXXX : Received letter from Valley National Bank, XXXX, NJ which advised account would be frozen/hold until State required forms are completed. Gave me phone number of branch and CS. 
XX/XX/XXXX : Called both and was told I must come to branch with death certificate and ID. I advised nearest branch is 20-30 minutes away and have not been going to local branch since relocating in XX/XX/XXXX. 
Advised I would fill out any form required by LAW and send back to bank with death certificate. Was told must physically come to bank and NO supervisors were available to speak with me. I asked what law but both CS and branch could not provide the statue. What do elderly or XXXX individuals do, does the bank just keep their money?

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 2018-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
I opened a car loan with Overland Bond in XX/XX/2016. I have never been 30 days late with this company and they are violating my rights as a consumer according to the Fair Credit Reporting Act. I temporarily lost my income which caused me to make my car payment 2 weeks late, however I called in and made an arrangement with the Overland Bond and paid them {$200.00} towards the balance. This payment arrangement was supposed to keep my account current and stop any further collection activity or negative reporting towards my credit. After making my arrangement and paying {$200.00} Overland Bond repossessed my car! I repeat I was never even 30 days late!! Once I made my full payment my car was still not returned and " reactivated '' so that I could drive it. I've read customer reviews on this company and see that I'm not the only customer experiencing this. This company is repossessing vehicles and ruining their customers credit for being 2 weeks late on their payments. This company has reported a repossession and 30 day on my credit and has totally destroyed my credit score causing me to lose -166 pts to my score. I filed a complaint about the reporting and the credit bureaus deleted the reporting only to have Overland Bond illegally add this inaccurate reporting back to my credit without notice. According to FCRA I am supposed to be notified within 5 days of a company adding any negative information that was previously deleted back to my profile, this company has failed to do so! My rights are being completely violated and I am extremely upset! This company has illegal practices and are taking advantage of their consumers. Please help me to have this inaccurate information deleted from my credit profile and corrected with this company. I hope that my experience will help other consumers of Overland Bond from experiencing what I've been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I called Ford Credit onXX/XX/XXXX to advise them that the car we had with them was no longer in our possession. I told them that we had used it for a trade in for a XXXX and that XXXX had signed a legal paper to take over the remainder of our debt. Even though I called Ford Credit to apprise them of the situation they still called my home to collect and inquire about the XXXX Focus. They called me on Saturday XXXX just 3 days after I spoke to them and then again on XX/XX/XXXX. I have repeatedly asked them to stop calling me and yet they tell me they can call all they want as much as they want until they get the check from XXXX. They told me they normally call once a day so they are being nice by only calling every 3 days. I told them that is harassment especially since I don't even have the car and I apprised them of all the details with regards to the deal. They told me it is not harassment and that their are no laws to protect me from repeat phone calls! I can not make XXXX pay them any faster and yet they keep calling me telling me to go to XXXX and pressure them..These tactics are disgusting! I should not be harassed for a car I no longer have possession of! Ford is disgusting and not the company it once was. They sold me a car that they knew was flawed a XXXX Ford Focus. The main computer had to be repaired 3 times in 4 years and the dual clutch as well. They have since recalled these Focuses and Fiesta 's associated with these issues but not without screwing a bunch of people in the process! I also had to have a 5 year battery replaced in year 4 and a lifetime motor part replaced in year 3. It is disgusting what big money companies can get away with .On top of selling a money pit of a car, they harass you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX XX/XX/XXXX {$8900.00} XX/XX/XXXX {$8900.00} CHARGE-OFF {$4000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XX/XX/XXXX {$340.00} CHARGE-OFF {$1000.00} equifax wont remove these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My Chapter XXXX was discharged at the end of XXXX and I have made several attempts to dispute the accuracy of the account with the creditor and all three credit bureaus. The creditor will not update the account to reflect it is no longer an active account. Instead they keep updating my report with " redeemed repo '' as if it's a open account. I am on my 4th round of certified return receipt letters disputing and nothing has changed so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters asking for full detail of everything I received at the hospital, and the company could only send me letters of verification without any information on what I received.

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 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
We were facing a health and employment ( overlapping ) crises in XX/XX/XXXX, and when we asked the bank to refinance, they refused. We were forced to stop mortgage payments, which were locked at a particularly high rate, in order to cover our medical and day-to-day expenses. As of XX/XX/XXXX, we resumed employment, and the bank commenced a long, drawn-out process of loan-modification application that was both tedious and confusing. They would send us conflicting documents and information, send multiple requests for the same information, and generally kept putting off a loan-modification offer. Finally, in the late-winter of XX/XX/XXXX they agreed to a trial period, where we made a series of 3 payments. These were all on-time and paid in full. On XX/XX/XXXX, they offered us a loan modification, which clearly stated that if we have any questions, we must refer them to the bank by XX/XX/XXXX. However, when we asked clarifying questions on XX/XX/XXXX ( to understand the terms of the loan, as any responsible consumer should! ) they rescinded the offer. Further, they later claimed that we REMOVED ourselves from the loan modification program, which we NEVER did. In fact, our letter ( attached ) CLEARLY states that we are/were eager to get back on board with the bank and would like to begin payments and a renewed agreement. This letter never received a reply. We subsequently re-applied in XX/XX/XXXX and were denied, with no explanation. We subsequently turned to a non-profit agency to assist us in understanding why we were denied and in submitting a new application, and the bank refused to work with the non-profit agency and refused to entertain a new loan-modification option.

In brief : the bank has given us repeated mixed-information and has not entered good-faith negotiations to turn our home into a performing asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACCESS GROUP INC.
State: OH

Complaint narrative:
I attended law school from XX/XX/XXXX-XX/XX/XXXX. I took out Stafford subsidized and unsubsidized loans each of the  three years. In XX/XX/XXXX, I consolidated my XX/XX/XXXX loans with XXXX ( Access Group ). In XX/XX/XXXX, I  consolidated my XXXX loans also with XXXX  ( Access Group ). With both consolidated loans, they remained in forbearance until I graduated in XX/XX/XXXX. When I signed up for the consolidation, as an incentive for consolidating with XXXX, I was promised a 1.00 % rate reduction upon 36 on-time payments. Unknown to me, by consolidating the loans at the time I was still in school ( and in forbearance ) it made me permanently ineligible for the 1.00 % reduction. My loans were transferred to XXXX, and then recently to XXXX. Only now that the loans were transferred to XXXX did I learn that I have not been receiving the reduction for the last 8 years because of the in-school forbearance. Had I known of the permanent ineligibility for the reduction, I would not have consolidated with XXXX at the time that I did- I would have waited until after I graduated.

Company response to consumer: Closed with explanation