vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-19 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: TX

Complaint narrative:
XXXX XXXX  stated that this account would be corrected and or removed from my credit report. It has been 60 days and the incorrect information is still on my credit report. It has been over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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  stated that this account would be corrected and or removed from my credit report. It has been 60 days and the incorrect information is still on my credit report. It has been over 7 years.

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 2019-01-19 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: Seterus, Inc.
State: TX

Complaint narrative:
Seterus, was sold it was not in foreclosure it was sold on a short sale this needs to be corrected.

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 2019-01-19 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: TX

Complaint narrative:
XXXX, was sold it was not in foreclosure it was sold on a short sale this needs to be corrected.

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 2019-01-19 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, was sold it was not in foreclosure it was sold on a short sale this needs to be corrected.

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 2019-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE WAS SUPPOSE TO DELETE THIS ACCOUNT TO SHOW PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: TX

Complaint narrative:
XXXX XXXX WAS SUPPOSE TO DELETE THIS ACCOUNT TO SHOW PAID IN FULL.

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 2019-01-19 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: TX

Complaint narrative:
XXXX XXXX WAS SUPPOSE TO DELETE THIS ACCOUNT TO SHOW PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: Diaz & Associates, Inc.
State: TX

Complaint narrative:
DIAZ & ASSOCIATES , INC. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
All of my loans should have been forgiven. I have been a XXXX  in XXXX XXXX XXXX  for 14 years. XXXX XXXX, a critical needs area. The reason why I got into XXXX  was to get my loans forgiven, however that promise has not been kept. Quite to the contrary the capitalization of interest has doubled my loans, Even with a XXXX payment I can not get a house, or a car. But this is how we treat out XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX , XXXX. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX   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 2019-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX , XXXX. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19 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: TN

Complaint narrative:
I requested that Experian ( EX ) report their the method of verification for bankruptcies. XX/XX/XXXX XXXX ( XXXX ) confirmed that the filed date reported to ( EX ) reflects the XX/XX/XXXX for case number XXXX. XXXX reports that this information was forward to EX for correction. EX did not correct or update the credit report that reflected the correction from XXXX. EX did not send a corrected report or delete the report since the new file report date has past 10 years of reporting time. I requested that information the XXXX XXXX ( XXXX  ) be investigated because XXXX  date of last payment is different. XXXX  reports that EX date of last payment is different from what they are reporting. XXXX  should be deleted due to the date of last activity has past seven years. I requested that EX update XXXX XXXX XXXX  because the date of last activity is different from what is being reported by EX. The date of last activity is 6 months after to date opened XX/XX/XXXX. I am Enclosing the XXXX report stating that the bankruptcy file date has changed. I am enclosing EX credit report the date of last activity is missing. EX is reporting a incorrect personal telephone number for me. I did not receive an updated report or a method 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 non-monetary relief
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I need help understanding this please. Im a bit dumbfounded by how you were able to verify this negative item ( bankruptcy ) on my credit report, where I personally called the court and received the letter as shown attached that they do not verify or provide information to the credit bureaus. How is it possible you stated that you verify this item and haven't removed it from my credit report? Correct if I'm wrong, but according to the provisions of FCRA, a reasonable investigation needs to be conducted in order to respond as " VERIFIED/ACCURATE ''. Again, can you please look into this and immediately remove this ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
All of my loans should have been forgiven. I have been a XXXX  in XXXX XXXX XXXX  for 14 years. XXXX XXXX, a critical needs area. The reason why I got into XXXX  was to get my loans forgiven, however that promise has not been kept. Quite to the contrary the capitalization of interest has doubled my loans, Even with a XXXX payment I can not get a house, or a car. But this is how we treat out XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I need help understanding this please. Im a bit dumbfounded by how you were able to verify this negative item ( bankruptcy ) on my credit report, where I personally called the court and received the letter as shown attached that they do not verify or provide information to the credit bureaus. How is it possible you stated that you verify this item and haven't removed it from my credit report? Correct if I'm wrong, but according to the provisions of FCRA, a reasonable investigation needs to be conducted in order to respond as " VERIFIED/ACCURATE ''. Again, can you please look into this and immediately remove this ....

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 2019-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: IL

Complaint narrative:
I took a online payday loan for {$300.00} dollars from a Company called XXXX XXXX approximately 8 years ago, I payed the debt in full 8 years ago and since then my information was sold to other debt collectors that are trying to double dip on payday loan debts that have been payed, Ive been threatened to be arrested and humiliated at my place of work if I dont pay the debt Ive already payed, Ive contacted the FTC in the past. Ive have had no issues with my credit report for the past 2 years, today I got a notice from XXXX XXXX that a company called : Midwest Recovery Systems XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, MO XXXX, posted a collection to my credit report and made my score drop 50 points. Midwest Recovery said they got my debt from XXXX XXXX XXXX XXXX, Ive done some searching and Midwest Recovery is fraudulently putting dings on peoples credit reports who never even had a payday loan in  the past. This is a false and fraudulent claim to my credit report and companies like these should be shut down and prosecuted to the fulliest extent of the law for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My credit card payment is due on the first i usually pay it the day before or on the first. I paid both my credit cards on XX/XX/XXXX. My XXXX XXXX card with barclay did not post my payment i got charged {$25.00} late fee and {$16.00} interest. I have requested that they please refund those charges. update their system and do not report this against my XXXX credit score. I am awaiting their response.

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 2019-01-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient violated my consumer right by contacting a non relative and giving information to them where I work and if I was related to this third party. Under The Fair Debt Collection Practices Act ( FDCPA ) expressly regulates calls to third parties in 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. the debt collector which is navient has my contact information and should not be contacting anyone or giving my personal information out to non relative I have screen shot of them giving my information out with a reference # to this third party I am getting a attorney to lookat this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I bought a car from XXXX XXXX XXXX in XX/XX/2017. I wanted to buy a XXXX XXXX but was forced to buy a more expensive car so their salesman could receive a better commission with no consideration of my needs. I bought a XXXX XXXX XXXX which was too expensive for me but I needed a better car. 

It was financed by TD Bank and I struggled to make the payments each month. In XX/XX/2017 I moved to a different part of the state. In XX/XX/2017 Hurricane Irma hit  Florida and because I could not afford to buy a generator the power went out and stayed off for 10 days. 

I lost all my food in my refrigerator and had to replace it. I filed a claim through FEMA but was told they do not replace food. 

I was not able to work and my HOA for this house does not allow home businesses, even selling online is not allowed. 

I attempted to refinance my XXXX but was unable to do so. In XX/XX/2017 TD Bank repossed my XXXX and auctioned it off. But I received a letter that I still owed over ten thousand dollars on a car I no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I have federal student loans through Navient. I noticed my entire payments were going to interest and my balance was not getting smaller. I went to the website to see a monthly statement. there is no monthly statements available. there is no explanation for how the monthly payment is being used toward my loan or how much interest is accruing monthly. I called ancient to request a monthly statement. I want to know how much I need to be paying each month so I am covering the interest and paying down the principle. I could not get any answers. they could not even tell me what my balance was at the beginning of the month. there is a large amount of accrued interest. I am trying to find out how to get this back under control so I am not getting further behind. I could not get satisfactory help. this does not seem legal to not be able to get a monthly payment or find out how your payment was allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: OK

Complaint narrative:
The dept of education garnished my income tax refund for several years ending in XXXX when I received a partial refund with an explanation that it was the balance after the debt had been paid. Now in XXXX I am just now recieving notice that there is still a balance and it is greater then the original debt despite over six grand in payments, I only attended two years. The initial reported debt was XXXX I paid XXXX and now I owe XXXX, how is this possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OCEANSIDE MORTGAGE COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX, FL was hit by Hurricane Irma. My home and yard sustained minor damage, but enough to need money to fix. Oceanside Mortgage sent an email offering Forbearance on my mortgage, a government program designed to help alleviate financial burden to those in need. The language in the email includes : " Q : How will a forbearance plan impact my loan? 
A : A forbearance plan is a temporary suspension of your monthly mortgage payment. During the forbearance period, payments are not required. In addition, negative credit reporting will be suppressed and late charges will be waived for the duration of the plan. '' Believing this would help I decided to take advantage and use the money to make some needed repairs and I could repay the loan when it was due or do a payment plan that oceanside would later offer. The 3 month term on the suspended payments goes by and I receive a phone call from Oceanside Mortgage asking how I would like to pay. I originally was going to do payments but due to all of the overtime I received from being a XXXX/XXXX  during a natural disaster I ended up being able to pay the balance IN FULL before the due date. I was never later and i complied with all terms. 

A year later, during the first week of XXXX, I received a credit alert that my score had dropped 55+ points. Suspecting fraud, I immediately starting checking my accounts. I pulled an XXXX  credit report, only to find this languange " Between XX/XX/XXXX and XX/XX/XXXX the following remark wad removed from this account : AFFECTED BY NATURAL DISASTER. '' I immediately contacted Oceanside Mortgage and was advised that there was nothing they could do. I explained to them it was forbearance and I wasn't truly late but they repeated there's nothing they could do. The next step I took was to file a dispute with XXXX. Nothing was done. Here I am 17 months post-Irma and this issue has affected me once again. I applied for a loan on a home and was informed I was denied due to " 60 days late payment from oceanside mortgage '' I am being held hostage by my incorrect credit report. I wish for my credit report to be reflected accurately with NO LATE PAYMENTS. I adhered to the terms offered for forbearance and should not be punished for utilizing a government program.

Company response to consumer: Closed with non-monetary relief