vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had be file with the FTC and a police report. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX XXXX Police Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My mother had a mortgage. She passed away. I sold the home in XXXX and have been waiting for the escrow refund of XXXX $ ever since. I have been on the phone with this company over 30 times. They have sent checks in the wrong name, the wrong address, given me completion dates of checks that never send. The latest letter I got said they will no longer issue a paper check and it needs to be submitted electronically. I was given completion dates that have come and gone. Supervisors we're supposed to call back and no one has. They keep making notes and sending it to other departments. I have asked for someone to be in charge of my account and help me get this completed and " that's not how they do things ''. The agents numbers I have most recently spoke to are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All I want is the escrow money refunded to me, it has been nearly FIVE MONTHS since the property was sold.

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 2018-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have tried for the past 90 days to request an economic hardship deferment. There is no way based on my current situation that I can make the payments. I have advised them of reduction in income ... The number of children in my household alone combined with my income puts me at below poverty level. I even did the calculation on their website and it said my payment should be XXXX. I submitted the documentation and they continue to deny me. I need some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
Back in XXXX I got a Title Loan through One Main Financial. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with One Main financial removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 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: TX

Complaint narrative:
I sent a letter to Equifax, regarding the numerous inquiries. Equifax representative told me that there is nothing that can be done. I have a fraud alert placed on the account, and explained that I did not apply for credit. But, again the representative told me there was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XX/XX/XXXX - Shellpoint mortgage was paid off due to a refinance. 
In XX/XX/XXXX, I decided to sell the subject property and received title. On title it still showed a lien with Shellpoint. I contacted them immediately and asked for a release of lien. I have e-mailed with XXXX XXXX several times and Shellpoint is refusing to send me the release of lien and is refusing to send it to the XXXX XXXX XXXX. My closing is scheduled for XX/XX/XXXX and the negligence by Shellpoint is going to end up costing me the sale of my house.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I opened an account with XXXX for wireless cell phone service. I was informed I had 14 days to cancel service and return the phone I purchased and I would only pay for minutes or data used during the time I had the phone. I cancelled service on XX/XX/XXXX and returned the phone to the store where I purchased it. I subsequently received some erratic bills, and they ended up reversing most charges. They left me with a final bill of {$120.00}, but I had paid when I returned the phone. The store clerk told me what the amount was due for minutes and data usage, and I can't recall the exact amount but it was around {$60.00}. I know that I thought even that was too much, but I paid it so I could take care of it and switch to a different company. So I never knew what the {$120.00} was for and did not receive any notice of a debt collection, just XXXX bills. I attempted to dispute this with them over the phone around XX/XX/XXXX and XX/XX/XXXX but nothing was ever resolved. I don't like for this to still be on my credit report because I don't believe it is a fair charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 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: FL

Complaint narrative:
I wrote letters to XXXX, XXXX, XXXX  on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXXXXXX XXXX XXXXXXXX account was updated to non charge off however no information was ever provided to validate. 

I have been incarcerated for 10 of the past 15 years of my life and have had my identity used while being XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: FL

Complaint narrative:
I wrote letters to Experian, XXXX, XXXX on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXX XXXX XXXX account was updated to non charge off however no information was ever provided to validate. 

I have been XXXX  for 10 of the past 15 years of my life and have had my identity used while being XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I have filled a dispute several times through XXXX explaining that this is not my debt. I don't live in XXXX.. I live in XXXX. I requested the company send proof of this and the only thing they can send is an invoice. No letter showing that I may have acknowledged this debt or taken responsibility of this. I have no unpaid medical bills. This is clearly fraud. I refuse to pay for something I didn't do. My next order of business is pursuing legal action. I would rather pay a lawyer to sue you for pain and suffering than to pay for something fraudulent. This only shows on my XXXX   credit report and XXXX  is agreeing with the company on this bogus proof or debt they are providing. Is XXXX  an accomplice? I am happy to add them to the lawsuit as well.

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 2018-06-21 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: BB&T CORPORATION
State: AL

Complaint narrative:
I voluntary surrendered my car to the finance company XXXX XXXX in XX/XX/XXXX. XXXX XXXX has since sold the car and has charged off the remaining balance. In XX/XX/XXXX XXXX XXXX sold my account to the third party. XXXX XXXX is still reporting this account on my credit reports. I have made numerous attempt to have XXXX XXXX stop reporting this on my credit report since they no longer are the owners of my account but they have refused to do so. 

My account number with XXXX XXXX is XXXX. Telephone number for XXXX   XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: SC

Complaint narrative:
Back in XX/XX/XXXX I got a Title Loan through XXXX XXXX XXXX. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XX/XX/XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XX/XX/XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with XXXX XXXX XXXX   removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: SC

Complaint narrative:
Back in XX/XX/XXXX I got a Title Loan through XXXX XXXX XXXX. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XX/XX/XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XX/XX/XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with XXXX XXXX XXXX   removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the 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 2018-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
on XX/XX/2018 i paid XXXX XXXX {$170.00} on XX/XX/XXXX I received a letter from usaa federal savings bank saying that they have submitted my dispute. 
i contacted them and told them i never disputed the charge they assured me that the dispute was cancelled on XXXX XX/XX/2018 the merchant called me and told me they received a letter stating i am currently disputing the charge. 
i contacted usaa and they said they would cancel it again

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filled a dispute several times through equifax explaining that this is not my debt. I don't live in XXXX.. I live in XXXX. I requested the company send proof of this and the only thing they can send is an invoice. No letter showing that I may have  acknowledged this debt or taken responsibility of this. I have no unpaid medical bills. This is clearly fraud. I refuse to pay for something I didn't do. My next order of business is pursuing legal action. I would rather pay a lawyer to sue you for pain and suffering than to pay for something fraudulent. This only shows on my Equifax credit report and Equifax is agreeing with the company on this bogus proof or debt they are providing. Is equifax an accomplice? I am happy to add them to the lawsuit as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted TransUnion by phone 7 times to report that I had not applied for credit and there were 36 inquiries on my Credit Report. I explained that I have a fraud alert on my Credit Report as I did not make these inquiries. I want these inquires removed from my Credit Report. I have attached a letter where I have also stated that I no nothing about XXXX XXXX XXXX or XXXX XXXX XXXXXXXX.

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 2018-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This debt was discharged in my bankruptcy case ( XXXX District of IL XXXX ; discharged XX/XX/2008. ) It was dischargeable under the Bankruptcy Code as it was a private educational loan that was issued in an amount greater than the Cost of Attendance at my school ( I had already received a Pell Grant and Federal Student Loans directly from the college up to my Cost of Attendance that same semester ). Notwithstanding the bankruptcy discharge, this debt continues to be reported on my credit. I have disputed this debt multiple times with all 3 credit bureaus to no avail. 

This debt originally had a co-signer, and while it may be appropriate to continue to report on behalf of the co-signer, it is no longer appropriate to report it under my name.

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 2018-06-21 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: IL

Complaint narrative:
This debt was discharged in my bankruptcy case ( XXXX District of IL XXXX ; discharged XX/XX/2008. ) It was dischargeable under the Bankruptcy Code as it was a private educational loan that was issued in an amount greater than the Cost of Attendance at my school ( I had already received a Pell Grant and Federal Student Loans directly from the college up to my Cost of Attendance that same semester ). Notwithstanding the bankruptcy discharge, this debt continues to be reported on my credit. I have disputed this debt multiple times with all 3 credit bureaus to no avail.

This debt originally had a co-signer, and while it may be appropriate to continue to report on behalf of the co-signer, it is no longer appropriate to report it under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I filed complaints for First Federal Credit Control on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX in regards to an account of {$800.00}. Although the information that has been presented by the collection agency was inaccurate and incorrect and a violation of HIPAA instead of removing or deleting the debt for its inaccuracies and for violating my rights as a patient " changes '' were made in their records to make the documentation more creditable. The reporting of this debt was made prior to allowing me to validate it which may be a violation of the Fair Credit Bureaus Act, to which can allow me to seek damages from a collection agent. The collection agency REFUSES to provide what I am asking for. I have requested NUMEROUS times for a contract or an instrument bearing my signature as LEGAL proof of the alleged debt. I did not request a " itemization of charges '' to which the collection agency has sent to my home address. Once again, I am STILL NOT requesting a bill or a " itemization of charges '' of this account because that is not sufficient documentation. I demand for First Federal Credit Control to provide a contract bearing my signature as evidence of the validity of this alleged debt. I demand that the collection agency to be compliant with my request of providing the following documentation that I am requesting, a contract bearing my signature, as that is the only documentation that I will accept as a form of validation. Until I receive the documentation that I am requesting I will continue to file complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Daramad LLC
State: IN

Complaint narrative:
My car dealership repossessed my vehicle XX/XX/XXXX after a four day late payment. My contract stated that i had 10 day grace period to pay my car payment. He also took a {$150.00} money order that was not signed and refused to give it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
In XX/XX/2018 I've been trying to work out an arrangement with XXXX XXXX, Ideal Image and I have kept up my end of the agreement. I have been making payments as discussed in XXXX and moving forward, the problem that I'm having is that they are still charging me late fees of {$37.00} every month even after I have been making my payments and reporting it to my credit report that I'm late, as per the arrangements I've been making my part. So now i need to know what are we going to do to make this correct? I was also told that my account would be fixed after making the necessary payments. I'm just trying to get my credit back where it needs to be so that I can get back on track and buy a house. I've been trying to work with this particular company and their not really helping me with my credit. Is there any way we can get this resolved so that my credit is not tarnished?

Company response to consumer: Closed with explanation