vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I initially had all my subsidized student loans through XXXX. I had an automatic payment set up with XXXX so the money was always automatically drawn. I switched to the income based payment plan and student loan forgiveness program. The representative that I was speaking with at XXXX said nothing would change and not to worry about it. I have 3 other companies with student loans paying over a grand each month so I wasn't noticing the XXXX XXXX, for that one and was assuming I was covered after speaking with the representative. That was back in XXXX and now In XXXX, I finished flight school and need to move and refinance my house. My credit is ruined because of this loan I was told not to worry about. I called XXXX and they didn't even have the loan. Fed Loan had the loan and I had no idea who they were. XXXX gave me there info. I didn't see anything from FEDLOAN, as far as them reaching out to me. I saw some things when I searched my spam folder for them. I had to pay XXXX XXXX to become current and it cost me XXXX points on my credit score. It was totally unreasonable and their customer service was total garbage. No way to help me or file a dispute on their website. The only loan I have an issue with is the government one. Their customer support is the worst. I started the automatic payment plan but working with Fed Loan is an absolute disaster and I'm doing what I want to do whatever I have to make this as painless as possible and pay what I need to each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: IL

Complaint narrative:
The mortgage was modified. In order to get the modification done properly, my attorney and I had to enlist CFPB assistance. 

I made all of the trial payments correctly. The modification was properly executed in XX/XX/2019. I have made all post-modification payments PRIOR to the due dates, but as of today, the three bureaus show that I have NOT made the trial payments and that I am STILL delinquent on the loan. This is highly damaging to my credit, which is doubly harmful because this modification was rendered necessary by an employer unlawfully terminating me and the time it took to acquire a new job.

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 2020-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-03-16 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Capital Bank, which handles loans for XXXX XXXX XXXX, schemes to offer interest free loans for furniture purchase ( I bought over {$16000.00} worth of furniture in XX/XX/2018 ) but then doesn't inform/remind you when your promotion runs up. 

I had my balance paid down to {$3000.00} and then they charged me $ XXXX+ in interest last month. So now I owe over {$6000.00}. They told me tough luck, I should have been watching my paper statements, which have a notice on it, that the promo is ending. 

First of all, they encourage you to sign up for e-statements. Those statements are emails that have a " Pay Now '' feature. You hit that button and you login to your account, only to be told what the minimum payment is, and the balance. NO WHERE does it tell you that you have an expiring promotion. XXXX XXXX XXXX ( XXXX XXXX ) has a HUGE notice, in RED when you are making a payment, letting you know that a promotion is to end. 

I can't find a lawsuit dealing with this yet, with Comenity, but I might try to be the first one. I could have paid my balance off at any time. They didn't tell me when I purchased the furniture that it was only for two years. They say I signed papers stating that. But they probably didn't want to go over that in detail when I made the purchase since they just sold me over {$16000.00} in furniture. 

AND NEVER, NOT ONCE, was it mentioned on my online account. So that is their scheme. They want you to sign up for e-notices, never look at your " paper '' statement, and then you get hit with a ridiculous amount of interest. 

Their website/payment system also doesn't allow for you to dictate a payment that goes towards an expiring promotion. It only goes towards your total balance. 

This needs to be corrected. Or I will be getting an attorney instead of trying to fix it like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first time home owners program because I needed help with the process. They pulled my credit to see were I was standing with my score. As they reviewed my report they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I applied for a loan at at XXXX dealership, that sent me to partner dealership for inventory. Between XX/XX/2019 and XX/XX/2019 the 2 dealerships gave me 4 hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello My name is XXXX XXXX XXXX And all 3 credit bureaus is showing student loans by XXXX  that are currently on deferment and that at some point in the past I was not aware that the loans had become due. No letter was forwarded to me till I notice on my report it shows late payments for 120 days. Currently my loans had been in deferment since XXXX and they still showing a negative mark that the 3 credit reports refused to fix. I also have a debt from accounts that had been satisfied by XXXX and still showing negative. I also had a loan by regional acceptance which has been satisfied since XXXX and still showing on my credit report as negative. A collection from XXXX incorrect amount and incorrect information because I was not aware of the insurance debt with the general insurance. All this items should not be in my credit report. Falsely damaging my credit and servicer as well as the 3 reporting bureau refused to remove it. I need your help. 

Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: AES/PHEAA
State: PA

Complaint narrative:
Hello My name is XXXX XXXX XXXX And all 3 credit bureaus is showing student loans by XXXX that are currently on deferment and that at some point in the past I was not aware that the loans had become due. No letter was forwarded to me till I notice on my report it shows late payments for 120 days. Currently my loans had been in deferment since XXXX and they still showing a negative mark that the 3 credit reports refused to fix. I also have a debt from accounts that had been satisfied by Pheaa and still showing negative. I also had a loan by regional acceptance which has been satisfied since XXXX and still showing on my credit report as negative. A collection from XXXX incorrect amount and incorrect information because I was not aware of the insurance debt with the general insurance. All this items should not be in my credit report. Falsely damaging my credit and servicer as well as the 3 reporting bureau refused to remove it. I need your help. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
When my renters caused damage to my unit I could not rent it for several months until it could be repaired. The resulting loss of income caused me to become delinquent on my mortgage. I was finally able to secure a modification in XX/XX/XXXX and have made payments as required since that time. I received in late XXXX that effective XX/XX/XXXX my mortgage payment would be increasing from {$920.00} to {$1500.00} due to an escrow shortage. In reviewing the letter I could see that my taxes and insurances had not increased significantly and the shortage was due to my modification. When the loan was modified the lender did not include my escrow shortage into the amounts due so that after the modification was completed I immediately started out with a deficit of {$7000.00} in my escrow account. When I questioned my servicer about the shortage their response was to simply apply for another modification ignoring the fact that I have an FHA mortgage which is not eligible to be modified again until XX/XX/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 2020-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE AN URGENT MATTER FOR YOUR FIRM TO RECTIFY IMMEDIATELY OR I WILL RETAIN AN ATTORNEY THAT SPECIALIZES INF FCRA AND FDCPA VIOLATIONS. PLEASE EXPLAIN YOUR TRANS UNION DELETION OF XXXX XXXX, # XXXX, REFER TO ATTACHED INVESTIGATIVE RESULTS REPORT DATED XX/XX/XXXX. 

REVIEW AGAIN THE ATTACHED ID THEFT POLICE REPORT AND IMMEDIATELLY BUT PERMANENTLY DELETE THIS ACCOUNT. 

I HAVE DISCOVERED FRAUD ON YOUR AGENCY AND I AM GIVING YOU THIS NOTICE AS MY INTENT TO SUE IF THIS IS NOT IMMEDIATELY CORRECTED. IN DISCOVERY YOU WILL HAVE TO OPEN UP YOUR INVESTIGATIVE RESULTS REPORT AND EXPLAIN HOW THE ABOVE ACCOUNT WAS DELETED PER THE ATTACHED XX/XX/XXXX INVESTIGATIVE REPORT SHOWING, XXXX XXXX, # XXXX, AS DELETED. 
YOU THEN SEND A BACK DATED REPORT DATED XX/XX/XXXX, REFER TO ATTACHED COPY, STATING YOU ARE REINSERTING A DISPUTED ACCOUNT NAMED, XXXX XXXX XXXX, # XXXX. THE NAMES AND ACCOUNT NUMBERS ARE COMPLETELY DIFFERENT, AND IT IS VERY OBVIOUS THAT TRANSUNION SYSTEM IS ALLOWING THEIR CLIENT, XXXX XXXX AND XXXX XXXX XXXX TO SWITCH ACCOUNT NAMES AND ACCOUNT NUMBERS IN VIOLATION OF THE FCRA..

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 2020-03-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Convergent outsourcing inc . 
sent me a letter saying they were collecting {$360.00} i owe to an orthopedic doctor. I called doctor and no debt exists. They are not looking for any money from me. I have insurance and paid my copay as I went. this was 4 years ago.

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 2020-03-16 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I had my secretary XXXX speak to GM Motor in regards to a late that had come on my report in error on XX/XX/2019 she spoke to XXXX from GM # XXXX was his ID. He said he was going to be sending in the correction to the bureaus immediately. Yet this is still reporting 6 months later and is really hurting me. Not only is it reporting late it is only showing a 60 day late which isn't possible since the prior month it was on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX and previous ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/2020 - Contacted PHH Mortgage due to incorrect status of 2nd loan, home equity loan, closed with outstanding balance.My credit score now dropped by a lot. I further advised this is a active account with not late payments payments XX/XX/2020 - Called back PHH, per their request provided XXXX XXXX credit report noting Closed Account. sent by fax # XXXX XX/XX/2020 - Called PHH to check status advised I would received a email in response to my concern.Was to re-fax information to XXXX XX/XX/2020 - Requested to send information again via fax # XXXX XX/XX/2020 - Called PHH to follow up again asked to re-fax same information to them along with my full credit report. I declined. I stated the 2nd loan home equity should remain as a open account, same as the 1st loan. I also asked why they call my home but do not leave a message. Too many fax of info and calls with no results. 

XX/XX/2020 - Still waiting for feedback ( email as promised ) from PHH

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I reached out to the following companies and submitted documentation of the following : Paid in full- XXXX  XXXX Account is requested to be removed Based on companys request. ( XXXX XXXX/XXXX  XXXX  ) Balance/account paid- XXXX XXXX XXXX XXXX/XXXX  account fraudulent account. 

I reached out to XXXX, XXXX  and Experian and supplied appropriate and supporting documentation. Letters from each company requesting items to be removed and items paid. To date, they keep saying account verified. How can this be verified when the I have letters showing account paid.

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 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
XX/XX/2018 I bought a saxophone for my son with a insurance, in XX/XX/XXXXhe started a lesson, but we discovered that the saxophone was not working, and I want to buy another one better, I call the company and they said I have to fine a claim, they said they will contact me, after several days I received another saxophone, I called them right way and said I did not want another I want to buy a diferente one they said I have to return the one I just got and then once the credit was in my account I could buy another one, but no instruction how to procede with the broken one,, in XX/XX/XXXXthey send me a email saying that o own a balance I talked with them and asked if they send me a box and label o will send back, I was so upset, they never send a return label, and then they send me to collection I called the place I bought because I never received a label, after while the company I bought the saxophone Said sorry and agree to the return, and they will take my name from debit collection. But that never happen, so I return the 2 saxophone and my name still on debit collection. This problem has been carried for almost a 18 months I have proof of email and tracking the everything f has been returned and more the company name is Caine & Weiner XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60-90 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX and previous ftc violations

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 2020-03-16 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX and previous ftc violations

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 2020-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Complete Credit Solutions, Inc.
State: MD

Complaint narrative:
I returned home after 5 months in the hospital having my XXXX XXXX XXXX XXXX XXXX. I am XXXX and have a excellent re payment history. One day I received a call from a company named XXXX XXXX saying I was late on a monthly payment that was deposited into my credit union account.I called my bank and they said I owed them for someone trying to take out money that I new was not there because i get one XXXX check a month.I went and got a police report, but the said the don't take numbers over the phone. I got a credit Report alert, that i have a collection hit, Now I'm stuck paying {$1500.00} a month rent the rest of my life, because all lenders say I have to make this go away before I cane move forward. Help if you can.

Company response to consumer: Closed with explanation