vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
Upon checking my recent credit scores, I noticed the following company has been reporting misleading information to the credit bureaus. I am distressed to see that the following company has continued to report misleading information on my credit report. I have disputed this account several times however this account to my surprise is returning to me verified and to my best knowledge this information could not possible be correct. I also took matters a step further, and decided to contact NCS by sending them a letter requesting they either properly validate the debt they are currently reporting, or removed this account from my credit report. I have never received a response from the company directly and they are still reporting the account which is a violation of the fair credit report act - due to the fact that the company refused to comply with validation from this account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the creditor is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) or this account removed as soon as possible from all reporting agencies whom may be furnishing it. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is reporting a Delinquent Account. After two attempts American Express was unable to provide me with my signature and prove that account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: LA

Complaint narrative:
I sent a verified letter asking for verification for numerous accounts on my credit report. I sent letter one XXXX17. I sent letter two XXXX17. I then receive a letter from Experian on XXXX-17 stating they have completed the process of my disputes, and will no longer reinstates these accounts anymore. I did not receive verification according by law 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I did not receive verification from numerous accounts.

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 2017-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a negative account on my report. After two attempts, Capital One was unable to provide me with my signature and prove that account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
An account on my equifax report has been disputed twice once last year and again in XXXX of this year and it is for XXXX XXXX XXXX. The company either never responded to the dispute of equifax did not reflect any changes to the account. It still shows n/a for amount and date of last payment but shows I was over 90 days late. If the creditor did not reply within 30 days to validate the debt from the credit bureau then it should have been removed a long time ago. I would like for this item to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: WI

Complaint narrative:
I became unemployed XX/XX/XXXX. After the XXXX withdraw, I contacted Navient. Navient stated they did not receive all of my information. I resent it to them. They state and show I am supposed to have no payments due online when I log into my account. However they still withdraw from my account. They have had my unemployment information for 1-2 months now and it is visible in the documents section. It has been withdrawn on XXXX and the next is due XXXX in the amount of {$83.00}. The stated when I resent the information that the XXXX payment might still be taken. Payments appear to post to Navient about 2 days after it is withdrawn from my account. There is no way for me to disable the auto-pay either from the Navient site and there are charges though my bank. A similar instance occurred in XXXX and I had to call and demand a refund over multiple days and finally got it through a manager when they continued withdrawing anyway. My account was overdrawn then and has been this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loans under one account with Nelnet was reported to all three credit reports as credit cards and having 8 different student loans. My Nelnet Account # XXXX Current Balance {$48000.00}. My student loan account I had filed a dispute fraud done by XXXX XXXX XXXX XXXX financial aid department and with federal student Aid. I have repeadly informed representative that forged Promisory Note not signed but typed my name on X/XX/10. Promisory. Note done by someone in the financial aid department at the University. XXXX XXXX, Chief Financial Aid Officer at XXXX XXXX I spoke to was the go to person who handles these frauds and disputes. Informed that all my financial aid files would be audited and that the forensic accountant auditor would be done. Nelnet representatives informed me that nothing would be reported as delinquent since I filed a fraud complaint and once that was cleared up, my student loan would be recalculate and corrections would be made and I would then start making monthly payments. But Nelnet reported 90 days delinquent on loans as if I had 8 accounts with them knowing I have one loan account with a total loan balance combined into One ACCOUNT. This has affected my credit reports rating/ score from good standing to bad standing. Affected me emotional, economically financially and have prevented me from applying for federal jobs. Nelnet account XXXX is not a credit card loan as it is reported on my 3 credit reports. Student loan I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved

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 2017-08-14 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: IL

Complaint narrative:
Equifax has deleted an item from my credit report and put it back on. They are saying that XXXX XXXX has verified the item as belonging to me. I contacted the company in which it 's XXXX XXXX credit card they have my police report. This account was opened up fraudulently. When I talked to a representative at the Bank they stated that they never verified this account with Equifax as this account is in a separate department due to it being identity theft. Also, I sent the police report to Equifax back in XXXX and they keep ignoring it. The last time they responded it was a generic and unrealistic response. Here is the supporting documentation. Also, they deleted the item off the credit report on XX/X/16 and reinserted the item on XXXX without giving me notice prior to inserting it. This caused my credit score to plunge by 100 points and disqualify me and my family for a mortgage. It 's being reported as an installment loan instead of a credit card also it 's saying I recently defaulted on this payment in the last 3 months. Please remove this item as this is not a legit item. Please find my police report and supporting documentation. Also notice that no other credit reporting agencies are reporting this item only Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: DISCOVER BANK
State: NY

Complaint narrative:
I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017, I mailed Experian a letter updating my personal information on my credit file. I included a copy of my driver 's license, a utility bill and my social security card to prove my identity. Experian removed the employer information and updated my phone number. Experian has refused to remove the incorrect names and addresses from my credit file stating they were connected to accounts and that I would have to contact the sources to have them removed. Experian sent my a copy my disputed results and I am not satisfied with the outcome.

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 2017-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SUNTRUST BANKS, INC.
State: MO

Complaint narrative:
In XXXX 2001, XXXX 2001, and XXXX 2001 I apparently took out student loans with Sun Trust Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA-XXXX ( XXXX ) XXXX as a student  at XXXX XXXX XXXX an unaccredited for Profit College or Diploma mill based in XXXX, MO. The school is no longer open as it closed almost 2 years ago. Because I was misled into thinking XXXX XXXX was an accredited College similar to another school in my city. I later learned this College was not accredited by an instructor named XXXX XXXX who was essentially hired off the street based on a referral by XXXX XXXX XXXX another instructor neither of which had any experience or academic credits to teach the program I was enrolled in, XXXX XXXX. The amounts of the loans were XXXX, XXXX, and {$2600.00}. The XXXX amount I am not sure where it came from. I only know it exists because it is on my credit report. Long story short i defaulted on my Student Loans and years went by. I tried to pay them again and fell short. This last time I decided I had enough of taking these peoples word for it and I found the Missouri Department of Higher Education less than helpful in answering questions eventually XXXX XXXX got involved and it became even harder to get the answers I needed. What I wanted to know or see was proof that I owed these monies. The last time I requested proof I was sent some type of spread sheet of payments made. This spreadsheet didnt show any terms, my signature, anything at all just amounts of money. I eventually got on an Income based repayment program which i only agreed to because they said my payment would be {$50.00} to {$80.00}. This was not true. The payment they wanted from me was over {$300.00} a month. I was told that If i made 3 payments of that amount they would help me reconsider my payments. What I absolutely hate about all of this is that the monies I was said to have borrowed apparently increased exponentially because by the time MDHE got involved I am told the amounts I now owe are {$6200.00} and {$3800.00}. All of this for less than a sub par education. I would also like to add that I recently had to request my transcript for this school and believe they gave me credit for classes I do not recall taking. Specifically an XXXX XXXX course.

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 2017-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I traded my car in for a small truck that I would be able to use in my XXXX  XXXX as a XXXX XXXX, in XX/XX/XXXX. At the time my credit was not so good but the vehicle I traded in had an excellent pay history. Credit insufficient due to Chapter XXXX filing in XXXX. The sales price of the truck was only {$14000.00}. I paid a {$2000.00} down payment and traded my car which they gave me {$3000.00} for supposedly. Initially they called and told me to they could not get me financed and I had to bring the truck back which I did and got my car but they did not want to give me my {$2000.00} back so they said I could pick up in two days and when I did they had gotten Ally Financial to finance it in for {$360.00} rather than my initial payment of {$310.00} with XXXX XXXX as they still refused to give me my money back. I had explained to the finance manager that I would rather not make a purchase with them for my inconvenience of bringing the truck back and when I asked for my car back before they sold me the truck, told me they had already sold it which was a lie. The issue is that the interest rate ( XXXX % ) is very high and the finance manager said that was temporary. The qualification to get out of the loan was to make the next XXXX payments on time and the loan would be refinanced to a better loan. I made two attempts to do that XX/XX/XXXXand XXXX. I went to the dealer twice and it was nothing they could do. By this time they had a new fiance manager and on two occasions, I spoke directly to Ally Financial and was told that they could not refinance. I would need to go to another bank or credit union. I did have a couple of extensions on two of them I made the full payment within the extension period, but with that being said this vehicle should be paid off with this usury interest rate that I was unable to get out of, in XX/XX/XXXX. I still owe {$8600.00} which means that all the paymnets has been applied as interest and not enough on the principle. this is too much interest for anyone. I received two checks for excess interest, which was the only explanation on voucher. I just assumed from some other class action and thought they would be adjusting but they did not.

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 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I just got a loan modification effective XXXX XXXX, 2017 and by XXXX Nationstar claimed I was in default. Charged unnecessary and excessive legal fees, property inspection fees ; stacked late charges and fees every month and would not accept proper payments ; Kept perpetuating to make me go 90 days delinquent so they could accelerate balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This has been a reoccurring problem I have had with Chase. On XXXX XXXX, 2017 my credit was ran once again without my knowledge/permission with a fraudulent application. I spoke to Chase and they only removed the prior fraudulent inquires not this most recent one. This is now the 4th time someone has attempted to get a Chase/Amazon card in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX/XXXX/2017 CIT Bank file foreclosure against the XXXX whom is still living as to date. CIT Bank claiming the XXXXyear-old homeowner failed to pay his property taxes without giving him any resolution to how he can pay if any back taxes or insurance. Financial Freedom Senior Funding provided the reverse mortgage and has charge the homeowner with insurance that exceeds the amount he able to pay. Therefore, CIT file the foreclosure on behalf of the property taxes and insurance. This is unfair to the homeowner as well as his beneficial. To lose his home for reason stated. We are aware that Financial Freedom has defraud many senior homeowners with wrongful foreclosure in order to file insurance claims just to capitalize these innocents victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I 'm filing another complaint in regards to Equifax reporting an account on my credit report that they should n't be. XXXX XXXX XXXX XXXX responded to a complaint I filed on them via the CFPB where there 's a law that states that after a car has been repossessed that " Your creditor must give you a written notice informing you of these rights within 3 days of the repossession. You can only get your car back in this way one time during the contract. '' I will attach the documents to the case. I was never given the 3-day notice and I have the proof. Also, XXXX XXXX XXXX XXXX responded back that they 'll reach out to the credit reporting agencies to get it removed also will attach. Now my issue will Equifax that they have removed this same item 2 or 3 times and reinserted it without notifying me prior to doing it as it is a law that states that as well " the credit bureaus must notify you within 5 days of the re-insert date ''. Please see that the item was deleted added back on, deleted added back on several times. They are the only credit reporting agency that keeps doing this no one else is reporting it. This has caused my score to drop significantly. Also, I 'm not getting approved because of it. Please review all documents within this complaint. The last time they responded back it was n't relevant at all to the case it was a systematic response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bleier & Cox APC
State: CA

Complaint narrative:
This debt has been disputed -- with the attorney tring to collect the debt. I was soley an authorized user on this credit card. I am not personally liable for this credit card. This debt has not been verified with any original documentation from the original creditor showing that I am more than an authorizd user. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them in to making payments. I have attached my dispute letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
XXXX XXXX XXXX, stated they would assist me in saving my home from foreclosure, when the mortgage services fail my several loan modification requests. Dual tracking has continued practice in case, I have submitted this claim with the courts. XXXX XXXX XXXX requested XXXX down payment, however no documentation was submitted by XXXX XXXX XXXX that they were action on my behalf. Never return any of my calls. I requested XXXX XXXX XXXX XXXX due to dual tracking practices by XXXX XXXX, Bayview loan, XXXX XXXX XXXX XXXX. I been dealing with dual tracking since 2010. Would really appreciate some real help!

Company response to consumer: Closed with explanation