vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: TN

Complaint narrative:
i have told these ppl time after time that i can not pay. if you are n't working ... .you ca n't pay. it 's not that I 'm trying not to pay i just ca n't and do n't know want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: CA

Complaint narrative:
My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a  XXXX , my low was a  XXXX  from  XXXX  and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has  one  piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies,  ( 3  ) mortgages over $  XXXX  paid in full, never late, no bankruptcies and I am a  XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the  XXXX  indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a  XXXX , my low was a  XXXX  from Transunion and I am totally embarrassed by this. My sister who has a  XXXX  off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing  XXXX  vital component to ensure that it is a fair assessment and that is my income, it only has  XXXX  piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies,  XXXX   XXXX  ) mortgages over $  XXXX  paid in full, never late, no bankruptcies and I am a  XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.

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 2017-07-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed items on my report several times,  XXXX  refuse to delete items that have already been disputed on  Transunion. I  asked them repeatly to provide me with proof of their verification which they refuse to send me. I also ha d  XXXX  public Records  listed on my report. law as of   XX/XX/XXXX   state if cant verify it has to be removed. well all  XXXX  credit agencies removed   XXXX     of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also   XXXX     of the collections account was removed  (   XXXX   XXXX   XXXX   XXXX   ) and they put it back with out notifying me within  5  business day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method   XXXX   XXXX   XXXX   is undeliverable and how can you delete   XXXX  b ut verify the oher, please delete

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 2017-07-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed items on my report several times,   XXXX   refuse to delete items that have already been disputed on  XXXX . I asked them repeatly to provide me with proof of their verification which they refuse to send me. I also had  2 public Records  listed on my report. law as o f      XX/XX/XXXX s tate if cant verify it has to be removed. well all   XXXX   credit agencies removed  one  of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also  one  of the collections account was removed  ( Interstate  credit collection ) and they put it back with out notifying me withi n 5 bu siness day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method professional Med Adj is undeliverable and how can you delete  2  but verify the oher, please delete

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 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: IL

Complaint narrative:
Several of weeks ago I asked for validation of an alleged debt owed to  XXXX . I received response from ERC stating I would receive notification in the mail of this alleged debt. On XX/XX/XXXX    I received letter  (  attached ) from ERC in regard to my response to this dispute. The letter was a billing statement. My request was for validation of the debt of which was not included. In accordance with the  Fair Debt Reporting Act ( F CRA  ),   proper validation must be included upon request. If validation can not be produced per FCRA, all collection efforts must cease and can not be reported to any of the national reporting agencies. Please produce proper validation. If validation can not be produced and ERC continues collection efforts from this point, I will have no alternative but to seek legal action up/and to suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
About a month ago I submitted a dispute to credit bureaus regarding the amount of the auto loan posted from  NCB Management.  The amount was aroun d 10,000. NCB sent back original paperwork but left out all auct  ion paperwork. According to law, I am still liable for the remaining amount. I have requested a hard copy of this receipt and I have been told they may not have it. They have a typed up transaction list but nothing at all about the sale of the vehicle to the auction about how much it sold for. The car was originally around 20,000. They said they have sold it for around 10,000. And now I owe the  remaining amount. How do I know that they did n't sell it for more or less? I need a a valid receipt of the amount from the auction to verify what I have left to pay. As indicated my wife spoke with the m on  XX/XX/XXXX  and they said  they would get back with her in a couple of days. Meaning they have no proof of how much I owe and they are reporting it on my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I was going to attend   XXXX   XXXX   College in   XXXX   XXXX   Sc that was between  XXXX  and  XXXX  not exactly sure. The advisor i had was  XXXX  ca n't remember last name. But after finding out the school was n't accredited I decided not to attend. Yet I 'm assuming   XXXX   XXXX   was still billed. I never attended classes but yet I was sent a bill to pay   XXXX   XXXX  . I contacted   XXXX   XXXX   to make them aware of this. At which time I was told it was showing I attended the school for months and that I should pay and if it found that I did n't attend I would be refunded. ( I paid about {$300.00} towards the loan ) I again assured her this not to be true. I then went to the school and got a letter on the school letter head confirming I did n't attend classes or got materials from the school. I was told it would be looked into and I would receive a follow up and if found I did n't attend the school id receive a full refund. I never heard from them again. And only got a load of run around afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jonathan C. Frank & Associates, LLC
State: TN

Complaint narrative:
i have told these ppl time after time that i can not pay. if you are n't working ... .you ca n't pay. it 's not that I 'm trying not to pay i just ca n't and do n't know want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: NV

Complaint narrative:
We applied for a loan to build a pool . Aqua Finance  provided us with {$40000.00} and the balance of our backyard project was paid i n Cash.    Payments for the loan were set up as an automatic payment from our bank account on the  XXXX  of each month starting 30 days after the completion of our project. The first payment was XX/XX/XXXX .   Since  XXXX  I have been trying to set up an online account so that I can increase our payments and pay this loan off by the end of   XXXX  . I was told that I would receive a bill in the mail with a code which I could use to set up my online account. Once I have this information I will be able to increase my payments and there would be no pre-payment penalty for paying off the loan early. I called in  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . Today I was told I will never get a statement because I pay the bill automatically. I find this unethical, as a consumer I should receive a statement no matter how my payments are made. I have no way of knowing that the payments I am making are being applied to my account and what they are applying to principle or interest. This is unacceptable.   On my phone call today they offered to increase my payments. I do not want to give who ever I was talking to any more control over my payments without a bill.   Apparently the billing is done by a  3rd  party. They will request that I receive a bill. They do not know if I will receive a bill at the end of  XXXX  or maybe it will be  XXXX . The customer service person did not know how long it would take to for the request to go thru.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
We voluntarily gave back a car we were financing back in XXXX. Once we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with XXXX XXXX and the agreement we signed says it will be updated on the credit report as satisfied paid and XXXX balance. ( letter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Since XXXX we have been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from XXXX XXXX XXXX said she already reported it to the credit company as " paid with {$0.00} balance ''. For 2 1/2 years now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with XXXX and XXXX XXXX. I feel it was against the law the way it has been reporting on our reports for the last 2 1/2 years and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from XXXX that she will report it as paid satisfied with a XXXX balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from 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 2017-07-18 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: UT

Complaint narrative:
We voluntarily gave back a car we were financing back in   XXXX  . Once we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with  XXXX   XXXX  and the agreement we signed says it will be updated on the credit report as satisfied paid and  zero  balance.  (  letter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Since   XX/XX/XXXX   we have been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from  XXXX   XXXX   XXXX  said she already reported it to the credit company as " paid with {$0.00} balance ''. Fo r 2 1/2  years now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with  XXXX  and  XXXX   XXXX . I feel it was against the law the way it has been reporting on our reports for the last  2 1/2  years and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from  XXXX  that she will report it as paid satisfied with a zero balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: UT

Complaint narrative:
We voluntarily gave back a car we were financing back in    2015. O nce we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with  XXXX   XXXX  and the agreement we signed says it will be updated on the credit report as satisfied paid and   XXXX   balance . ( l etter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Sinc e   XX    2015 we ha ve been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from  XXXX   XXXX   XXXX  said she already reported it to the credit company as " paid with {$0.00} balance ''. F or 2 1/2 y ears now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with  XXXX  and  XXXX   XXXX . I feel it was against the law the way it has been reporting on our reports for the last  2 1/2 y ears and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from  XXXX  that she will report it as paid satisfied with a  XXXX  balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from  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 2017-07-18 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: FL

Complaint narrative:
I reached out to Transunion about a fraudulent inquiry on my report that was affecting my credit score because of multiple inquiries by the same companies. I never authorized my information to be shared with this company. I contacted the company, in which they initiated the information was factual and that it will not come off my credit report. They also sent out a letter for me to contact them about my dispute. The dates that they tried to pull my report was  XX/XX/XXXX  ad also  XX/XX/XXXX . I feel violated of my rights and the accusations that they are putting on me about the credit application I 've never applied for. I do not have any credit with them or have ever tried to apply for credit with this company. There was a freeze on my credit report and I was never notified of them pulling my credit report.

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 2017-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to   XXXX   about a fraudulent inquiry on my report that was affecting my credit score because of multiple inquiries by the same companies. I never authorized my information to be shared with this company. I contacted the company, in which they initiated the information was factual and that it will not come off my credit report. They also sent out a letter for me to contact them about my dispute. The dates that they tried to pull my report was  XX/XX/XXXX  ad also  XX/XX/XXXX . I feel violated of my rights and the accusations that they are putting on me about the credit application I 've never applied for. I do not have any credit with them or have ever tried to apply for credit with this company. There was a freeze on my credit report and I was never notified of them pulling my credit report.

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 2017-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX   XXXX   a   XXXX   year old man went in to Nissan to purchase a car and was talked into a lease. Not quite understanding, he thought he was purchasing the car, therefore, he grossly overpaid the contract.   XXXX   XXXX    was asked to return the car back to the dealership under the guise they could get more money in the sale. Without speaking to   XXXX   XXXX   and providing the amount the car sold for, Nissan turned him over to a collection agency for some outrages amount. This is the second complaint we have made to this company regarding Nissan Acceptance Corp, the first one was rejected by Nissan as they had no authorization. Please be assured one is attached along with the supporting papers of the customer being taken advantage by Elder Abuse. While securing the authorization, we had a chance to research prior complaints which seen to be in abundance and concentrated on the elderly..

Company response to consumer: Closed with explanation