vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
In 2020 I negotiated to pay off my daughters student loan with NAVIENT. I was the designated cosigner, and my daughter was behind in her payments. I wanted to put an end to the issue and so reached out to NAVIENT to negotiate a settlement for loan close out. We talked about loan close out options, I explained that I wanted to settle the loan in full and did not want to simply drop the cosigner. Eventually we agreed on a final closure price. NAVENT would not send written documentation and refused to send contract negotiation info, they said they needed to be paid first. I said I would not move forward unless I got a letter from them stating the terms and that they agreed to close out the account, as loan to be settled and marked Paid in Full, for the agreed to settlement value. On XX/XX/2020, I received a letter from NAVIENT agreeing to these terms that said they agreed to settle for 66 % of loan value. This amount would be {$17000.00}. It said that after I completed the full payments they would consider the loan settled in full and would stop all further collection actions. '' They verbally explained that payment could be done over a 6 month period of time. I completed all payment in 4 months. They agreed I had met my obligation and said they would process the loan for closure. It is now 7 months later and they have not processed the loan for closure, in fact they have changed the rules and assigned the full loan value minus the settlement, to my daughters responsibility and they still have me listed as cosigner for remaining balance too? I realized this situation just very recently when checking my other daughters student loans. So I called them on these tactics and they first claimed the settlement was not for loan payoff, but was to remove cosigner. I protested. Both my daughters and I had separate verbal discussions which are completely opposite to their claims. The letter they sent is opposite of their claims of a cosigner settlement. They are not returning my phone calls, now ; I want to pursue formal complaint and lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Collection Services, LLC
State: NJ

Complaint narrative:
About XX/XX/2021 I received by mail the Letter from Receivable Collection on Services, LLC ( Collector ) dated XX/XX/2021 with information that I have a debt {$410.00}. 
In order to verify the validity of the debt I sent the dispute letter against this action and demanded the additional evidence ( by fax number appeared on the Collector 's letter ). 
The Collector must verify the debt in case they have a dispute and inform me. However the Collector ignored the rules and violated my rights reporting Credit Bureaus ( at least XXXX  I'm sure ) the disputed collection. This report harmed my credit score and credit history. 
The Collector failed to comply with the FDCPA law and abuse his power trying to collect the debt against the rules. 
All letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: KY

Complaint narrative:
I have tried to get the hard inquiries off my credit report but the customer service was no help at all. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I do not recognize and I called the creditor and they wont help me. 
XX/XX/2021 there were many hard pulls from XXXX, XXXX, and XXXX XXXX that I did not consent to and I have asked the creditors to remove them but they refuse to help. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I did not approve of and the company refused to remove it.

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 2021-07-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Un fair credit reporting, cyber crime, identity theft, loss of principal, loss of work, loss of credibility, loss of accounts, extremely hard to feed my family.

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 2021-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
I am selling my home on XX/XX/XXXX. My XXXX payment was auto drafted on XXXX ; on XXXX I called to cancel my auto draft so that it would it not draft in XXXX. Well 9 days later XX/XX/XXXX ; I payment was drafted again and it overdrew my acct. I called to ask them to reverse it and they state that it would take 3-5 business days. Well I have bills due tomorrow but now I will not be able to pay them and they are not assisting me for their error. Mind you I called in to cancel with a live person and instead of canceling my auto draft he changes the payment date.

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 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC
State: NY

Complaint narrative:
Its a scam telling me I owe money but Im a minor and its a telemarketer/phone scam ACI is the name of the company Phone number is XXXX If it helps I recently switched from XXXX -> XXXX XXXX XXXX did claim that I have spam call prevention but obviously it didnt work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: CT

Complaint narrative:
Ive been trying to dispute information on my credit with Experian they keep replying back within one day of my dispute updated. I have never received proof or validation of account and will like my accounts removed as to showing my prove for XXXX XXXX and XXXX account paid off never late A collection for XXXX was never verified I was never giving proof or validation from creditor or credit bureau I feel like they not following the proper guidelines and are failing to do to proper investigation as to the fair credit act I will like validation from all my disputes immediately verifying validating these account

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 2021-07-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am extremely upset that the credit bureaus have not responded back to me yet about my investigation. I need these accounts that dont belong to me to be deleted from my credit report as soon as possible. It has been over 45 days and I still have not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: International Recovery Associates, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I got a notification that collection accounts showed up on my report. I filed a complaint and let them know the account doesn't belong to me. They close the dispute in less than a week and said it's accurate. I filed a second dispute at the same time and also reach out to the collection agency and told them it does not belong to me. The agency told me to send emails and contact XXXX. I took it upon myself and went further to call the hospital they reported finding out what's going on and let them know these are not my accounts. the hospital apologize and told the agency to close the account. On XX/XX/XXXX I got a letter from the collection agency stating the accounts are closed and they will notify XXXX  to remove but when I spoke to XXXX  multiple times after that and today the last time I called and spoke to a XXXX  at XXXX  is today to find out whats going on and why they are still listed on XX/XX/XXXX. XXXX  told me that they have no communication from the agency about removing collections from my account. XXXX  closes the second dispute in XXXX stating the collection agency reported the accounts belonged to me and I needed to submit another dispute. At this point, if XXXX  agents are saying there's no communication from the collection agency then the collection agency is lying and putting me through a lot of stress I don't need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Ive been trying to dispute information on my credit with XXXX  they keep replying back within one day of my dispute updated. I have never received proof or validation of account and will like my accounts removed as to showing my prove for XXXX XXXX and XXXX account paid off never late A collection for XXXX was never verified I was never giving proof or validation from creditor or credit bureau I feel like they not following the proper guidelines and are failing to do to proper investigation as to the fair credit act I will like validation from all my disputes immediately verifying validating these account

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian, You claim to need authorization to submit my dispute. I give authorization for you to process my dispute. My dispute is attached to this complaint and needs to be properly investigated. I have attached all needed information such as my I.D and Social security card to verify my identity. 

I already called to try and have this dispute entered and Experian gave me a hard time so It needs to be addressed and disputed now.

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 2021-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This Wayfair credit card does not have an auto payment option as almost all other credit cards. I have called multiple times regarding this concern, I have auto pay scheduled for all my other credit cards to avoid late payment. Not sure why such basic feature is not available.

This credit card account is shut down all of a sudden due to Co- branded relationships ended. Meaning customers can no longer make purchases through Wayfair. But I understood my obligation of continuing making payment. Which I did, but always struggle with the payment system. I started scheduling recurring payment to Wayfair through my banks bill pay feature, since XX/XX/2021. However, Wayfair claimed they have never received any checks from my bank. When I tried to reach out, all they tell me is to dispute by writing. If they can not even receive checks, how do I believe they will receive my letter? 

Now they have reported late payment to all credit bureaus, I have scheduled all the payments through my bank as an auto payment. But for some reason, they were never received. The broken payment system has played a huge role. I, as a customer of their credit card, simply need a auto payment feature that all other credit cards have.

I do not have any late payment in any other cards because they ALL have an auto pay.

I have called multiple times, no one was willing to help with anything, even during the covid 19 pandemic, they provided zero support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In summary, my loan was paid off to the previous lender, but the new lender still demands a monthly payment. The new lender threatened to report a negative record to my credit report. I have to make payment to a closed loan to avoid bad credit impact. 

DETAIL BELOW, The loan was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper at sometime in XXXX or XX/XX/2021. The loan transfer effective date in XXXX XXXX XXXX XXXX 's statement is XX/XX/2021. The loan transfer effective date in Mr. Cooper 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The XXXX XXXX XXXX See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with the money source or Mr cooper. I should pay nothing to Mr. Cooper. Mr Cooper refused to admit the fact and asked me to make the payment. I contacted Mr Cooper weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer, which is XX/XX/XXXX. Mr Cooper doesn't actively contact the XXXX XXXX and refuses to further help me on this matter. 

Now, it is near the 60 days past the transfer date based on Mr. Cooper 's record. The Mr. Cooper threatens to report past due and I have to pay the {$6300.00} to avoid negative credit impact. 

I also contacted The XXXX XXXX on XX/XX/XXXX, they promised to solve the case before XX/XX/XXXX, but an agent called me on XX/XX/XXXX and still couldn't tell me why the case is not solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: AZ

Complaint narrative:
To whom it may concern, I am reaching out for help as i was a victim or identity theft.. I have a family of 4 and have been attempting to get erroneous account removed off of my XXXX and XXXX credit report for years now. Please see the below listed experiences that someone has fraudulently open with my information listed in no specific order. 

XXXX : XXXX XXXX credit card charge off of {$800.00} account opened fraudulently XX/XX/XXXX XXXX XXXX is reporting an account that was listed in a XXXX bankruptcy and must be removed from all reporting per the FCRA ss 609 laws. 

XXXX XXXX XXXX was an account that was also listed in a bankruptcy in XXXX and again must be removed from all reporting per the FCRA ss 609 laws. 

XXXX : XXXX XXXX XXXX XXXX is reporting fraudulent auto title loans bills listed as purchased debt of {$690.00} for an account that was opened incorrectly as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX XXXXXXXX XXXX is reporting fraudulent medical bills listed as purchased debt of {$500.00} for an account where i have never even visited as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX  and XXXX  has both listed bankruptcy 's listed on my report that have been discharged since XX/XX/XXXX. They are also reporting a duplicate bankruptcy as well which dated XX/XX/XXXX which is impossible granted the 7 year mandatory resolution time. The bankruptcy was never even filed and needs to be removed per the FCRA ss 609 laws. 

As part of the identity theft during the same time period there were countless hard inquiries made into the XXXX  and XXXX platform for people attempting to obtain credit cards per the FCRA ss 609 these are fraudulent inquiries and unverifiable and must be removed immediately.

We have spent countless hours and money attempting to work with these reporting companies only to get no help. 

Please help resolve the matter at your earliest conveinence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern, I am reaching out for help as i was a victim or identity theft.. I have a family of XXXX  and have been attempting to get erroneous account removed off of my XXXX  and EXPERIAN credit report for years now. Please see the below listed experiences that someone has fraudulently open with my information listed in no specific order. 

XXXX  : XXXX XXXX credit card charge off of {$800.00} account opened fraudulently XX/XX/XXXX XXXX XXXX is reporting an account that was listed in a XXXX bankruptcy and must be removed from all reporting per the FCRA ss 609 laws. 

XXXX XXXX XXXX was an account that was also listed in a bankruptcy in XXXX and again must be removed from all reporting per the FCRA ss 609 laws. 

Experian : XXXX  XXXX XXXX XXXX is reporting fraudulent auto title loans bills listed as purchased debt of {$690.00} for an account that was opened incorrectly as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX XXXXXXXX XXXX is reporting fraudulent medical bills listed as purchased debt of {$500.00} for an account where i have never even visited as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws Experian and XXXX  has both listed bankruptcy 's listed on my report that have been discharged since XX/XX/XXXX. They are also reporting a duplicate bankruptcy as well which dated XX/XX/XXXX which is impossible granted the 7 year mandatory resolution time. The bankruptcy was never even filed and needs to be removed per the FCRA ss 609 laws. 

As part of the identity theft during the same time period there were countless hard inquiries made into the XXXX  and Experian platform for people attempting to obtain credit cards per the FCRA ss 609 these are fraudulent inquiries and unverifiable and must be removed immediately. 

We have spent countless hours and money attempting to work with these reporting companies only to get no help. 

Please help resolve the matter at your earliest conveinence.

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 2021-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a set of tires online from Goodyear using their brand of credit card in XXXX. Because of covid I dropped off the car at the tire shop designated by Goodyear, XXXX XXXX. The charge was for four tires and included installation. Shortly thereafter I was travelling on a very crowded 2-lane road and could not control the car due to swerving, which was very dangerous. I pulled in to the nearest auto tire and brake shop ; XXXX XXXX, as it was too dangerous to try to return to XXXX XXXX. XXXX diagnosed the problem after extensive testing as over-pressurized tires, 40 psi rather than 30 psi, when XXXX XXXX installed the tires. XXXX charged {$170.00}, which was put on dispute with Goodyear. I am a XXXX old woman and would have no understanding of tire pressures or anything automotive. Goodyear was apprised of all this but says I should contact XXXX XXXX to resolve the dispute. However credit card disputes are not to be resolved in that manner, if XXXX XXXX provided faulty service the card issuer is to resolve the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation