vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: AES/PHEAA
State: CA

Complaint narrative:
This company has continued to call after being sent written cease of communication notice. They have also not responded to my request to validate the debt and provide proof that this debt belongs to me and that they have the authority to collect and that the statue of limitations has not expired. 

They call multiple times per day on my house line and on my cell phone. They call at XXXX exactly every morning disturbing my sleep. 

This debt has been passed through XXXX-XXXX collection agencies in the past 2 years. Not a single one has provided proof that the debt is owed by me or my husband. I 'm tired of being harassed by this companies and I 'm not going to put up with it anymore. 

We only just got a notice from the last company handling this " debt '' that they would no longer pursue collection yet we started to receive phone calls from this company the very next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have been locked out of my checking account with Suntrust bank for 2 weeks. After speaking with customer service, I was told it was locked due to a questionable check. I went into a branch and they told me it was turned over the the fraud department and told me it was a check for XXXX from XXXX, which was my daughters payroll check. She had deposited XXXX prior to this with no issues. My daughter contacted the payroll department at her work and they assured her the check was fine. They emailed a few days later and told her the check cleared on the XXXX of XXXX which was the day after she deposited it. 
A Suntrust employee at the branch spoke very rudely to me and treated me as if I were in the wrong. She told me I had to just wait and see if Suntrust wanted to terminate the relationship they have with me. Meanwhile they would hold on to my money with no further explanation. When I asked why someone did n't call me or contact me when the check in question arose, she said she could n't speak to me about it any further and I would have to just wait to hear from them. I asked how long that would be, she said indefinitely. I asked by what means they would contact me and she stated it would be either by phone, email or regular XXXX. It has been 2 weeks and I have heard nothing and my account is still unobtainable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA
State: GA

Complaint narrative:
I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and does not have much sleep because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR, this is aiding and abetting fraud on the Consumer who is a natural person. 
This Debt Collector has violated have harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this this DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Student Loan Finance Corporation
State: CA

Complaint narrative:
Student Loan Finance has been reporting my file to the credit bureaus illegally with 120 day lates month after month. I have tried disputes with the credit bureaus 4 times and nothing has been done. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I filed for bankruptcy 4 years ago, and have XXXX XXXX XXXX credit card which I pay the amount due every month, for well-over two years. Even so, my credit rating does n't improve. YET, this week, when I signed up for a new cable service ( to allow me to save {$120.00} a month! ), my credit was downgraded a few points, erasing cherished positive points that are so hard to come by. 
Understanding the bankruptcy remains for years, I feel it is totally unfair and a complete disincentive to " punish '' credit holders like me for applying for new credit, while NOT rewarding me for paying off my debt monthly. 
I am getting this info from Credit Karma, though I do n't know if they are the guilty party. I believe it 's XXXX or all XXXX of the credit tracking companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My mortgage is scheduled for foreclosure sale in XXXX. I have been trying to do a modification on my home for months now but to no avail. Please assist me as I am trying to save my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: WA

Complaint narrative:
credit karma is reporting XXXX open accounts on my credit report that should be closed due to bankruptcy.the XXXX open accounts are both medical, XXXX XXXX IN. credit karma is wrongfully reporting this because equifax has already fixed the problem.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: CT

Complaint narrative:
I contacted FedLoan Servicing via their " Contact Us '' email on XXXX to inquire about the status of my income driven repayment request and informing them that I ca n't afford the standard repayment. I received an automated response acknowledging receipt of my request, but no answer. I also completed all of the income-driven repayment ( REPAYE ) info via studentloans.gov on XXXX and have yet to see my payment change. I contacted them again yesterday via email and received another canned response without having any of my questions/concerned addressed. I expect that any delinquency reporting will be cleared up with my credit bureaus and that someone will reply to me to update me on the status of this request. Please reply so I can resume repayment at an appropriate payment level. I have documentation of all of these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There 's XXXX accounts on my credit report both from the US Department of Education XXXX with a balance of {$3500.00} and the other {$0.00}. I do n't understand that being a victim of student loan fraud and my personal information was used for opening other lines of credit and taxes. I did not open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have XXXX inquiries that are not mine due to identity theft

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 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian did not delete a public record account on my credit report. NYS tax and fiance in the amount of {$3300.00} which was a paid judgment was due to be deleted from my report as the allowed time has passed. I tried to dispute it online through experian website but unable to do so as the system would not allow me to do any disputes. I tried contacted experian by phone and was told that it is not reporting on my credit report. I just checked it through XXXX and XXXX and it is still reporting.

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 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
i have several medical bills from XXXX iowa they did not file with my insurance company properly or not at all i have contacted my insuranse company and they have not recieved any charges that is on my credit report they can not pay what they have not been given i went to them and asked and they told me they did submit it i asked them to resubmit it and they told me they could not also i swear under oath i have never in my life time received a bill for the charges that i see on my credit report from them also they are charging me for an ambulance that i never was transported in and charges in XXXX of 2012 or XXXX the patient was my mother and no charges were ever submitted to either insurance company and again i have never been sent a bill for either i have charges from years ago but in no way knew about them until i looked at my credit report for the first time this year

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 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I apply for annualfreecredit report, your website said i received my credit report that not true? if could you provide me with the date and what address you sent it to? I have n't receive a credit report this year nor have i submitted a application for until today. XXXX XXXX, 2016 Friday

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE DISPUTED THIS ISSUE WITH EXPERIAN BEFORE AND THEY STILL LIST THESE INCORRECT ACCOUNTS ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THEM IMMEDIATELY.

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 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: GA

Complaint narrative:
After long hold times, I was able to make a payment by phone on XXXX/XXXX/2016 for my XXXX mortgage payment. I received a confirmation number for same-day payment. I saw the bank draft on XXXX/XXXX/2016 on my account. Statebridge credited my account on XXXX/XXXX/2016 and charged a late fee. My payment on XXXX/XXXX/2016 also included an additional amount towards the principal. This amount shows as " credit '' and as of XXXX/XXXX/2016 has not been applied to the principal. In summary, Statebridge charged a late fee even if the payment was not late ( I have a recording as proof ) as well as avoided to deduct the additional principal amount towards my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is not my account. Remove immediately. I did not authorize myself to be added to this account. I do not have a XXXX credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried to get my free report. I entered all my information & received the message that they were unable to provide my report online

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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am Submitting in Writing All My Proper IDENTIFICATION ... .INCLUDING MAIL RECEIVED AT MY ADDRESS. MY CERTIFIED MAIL SENT INTO All XXXX CREDIT BUREAU 'S and the C.F.P.B. In XX/XX/XXXX which I still have the Hard Copies of the Packets with Each Receipt and Verified Signed for by Whom Sent to ALL PARTIES. I had All the Proper Identification etc. needed but I have HAD NO RESPONSE TO ANY Of This Or Any FOLLOW UP. Submitting Again in XX/XX/XXXX all Correspondence needed for My Complaints Filed XX/XX/XXXX & XX/XX/XXXX Including the Proper Identification Needed to Take this SERIOUS..!!! 
Here are the Four COMPLAINT FILE # 's Case Number:XXXX ... ... ... ... ... ... ... .... Case Number:XXXX ... ... .... Case Number:XXXX ... ... ... ... ... ... ... ... 
.... Case Number:XXXX I am Not Allowing this to BE IGNORED AGAIN ... .after 1 1/2 YEAR DILIGENTLY Addressing and to Consume All My Time of Nine Months ... .Enough is Enough. 
I have More than SUBSTANTIATED DOCUMENTS to PROVE INCORRECT REPORTING AS WELL AS FALSIFIED DOCUMENTS of Reporting on MY CREDIT BUREAU FILE. 
If this is Not CORRECTED within the next 2-3 WEEKS, I Have been through so Many 30 DAY INTERVAL of Awaiting Responses for NO CORRECTIONS Being All PROCESSED. 
YOU Leave Me With the Only Other Alternative to Take ALL this to the XXXX XXXX XXXX Who Has Already Expressed Wanting This Information. I AM NOT GOING TO BE TOLD THAT THE SYSTEM Is COMPUTERIZED IN ASSESSING OUR FICO SCORE. 
It Has to BE Programmed by a Human, so When Our Scores are DELETED Due TO INCORRECT REPORTING or FALSE INFORMATION SUBMITTED BY A CREDITOR OR COLLECTION AGENCY and then Explained about how the System does our Scoring, DEDUCTS but Can not ADD It BACK AFTER YOU Have Proven with SUBSTANTIATED DOCUMENTS Incorrect, I am not BUYING THIS CAN NOT .... ADD MY SCORE BACK That Was WRONGFULLY DEDUCTED. THIS IS NOT ONLY UNJUSTIFIABLE but VERY DEMEANING To Any INDIVIDUAL. I EXPECT TO GET MY SCORE REDONE ( XXXX ) not to Receive Some Lame EXCUSE that it Ca n't BE Done ... Then YOU Need to GET THIS PROBLEM CORRECTED TO ADD BACK The SCORES WRONGFULLY DEDUCTED. 
I know I am Speaking and Supporting Other Consumers who have been Unjustifiable Treated the Same Way.

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 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Attempted to get my free annual credit report from XXXX for more than 2 months now. Experian still does not allow that website access. 

**WEBSITE QUOTE** We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **END QUOTE** I have gotten this same message for too long. I thought that it was the law that this information is made available to consumers and that this website is where we are supposed to go to get this information.

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 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Commonwealth Financial Systems, Inc.
State: MS

Complaint narrative:
On XX/XX/2016, I contacted XXXX XXXX with Commonwealth regarding a medical bill from a car accident that is still in litigation. I provided my attorney contact information and the Insurance contact for the Responsible Party. XXXX XXXX was rude and unprofessional threatening me with bad credit if i did not pay debt that i am not responsible for. XX/XX/2016 I reviewed my credit report the debt has been reported inaccurately. 
I spoke with XXXX XXXX XX/XX/2016 again to only be disrespected, threatened and lied to regarding my account. He also stated he did not report my account to the Bureau. I am in the process of purchasing a home and this has placed me in a very difficult financial position.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern i having a major issue with The reporting Agency Experian with violating my rights when it comes to following the fair credit act. i requested my credit report i received it i saw things that was n't correct so disputed them in a dispute letter online and through the mail. I request them to provide all original applications in my credit file verifying all claims of debts with my wet ink signature no copies thats not verifying according to the fair credit act section 609. they havent provided me with any documents they have completed my dispute all they remove was XXXX credit cards and updated all the other unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I have asked Experian for 6 months to verify my information that 's reporting or delete the items I questioned. In the last 6 months after several letters asking in fact begging for them to follow the law they have repeatedly ignored my request. I am not happy. I have attached the string of letters they have been unresponsive to. I need to buy a house and this is severely affecting my outcome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A company XXXX was given my credit report by Experian. This was not authorized and has had a negative impact on my credit score. Please remove.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation