vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 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: CA

Complaint narrative:
I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.

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 2017-08-08 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: GA

Complaint narrative:
On my credit file dated XX/XX/XXXX, 2017 I received an update to my XXXX credit report from XXXX XXXX. The report was updated to show the account is now reported as closed, balance is now XXXX, amount past due is now XXXX. as well as the account history codes are now 1. The problem now is that I called Experian and XXXX to inform them of the update, and they said they were not going to investigate this account again, I faxed them a copy of my updated account with XXXX. The representatives informed me that they reached out to XXXX XXXX in order to get corrected updated information, and XXXX XXXX REFUSED to update the account with those credit bureaus. I am including my updated credit report as proof of my documentation

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 2017-08-08 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: CA

Complaint narrative:
I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: NJ

Complaint narrative:
I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, XXXX and Transunion to accurately reflect the account status o my Credit Reports!!!!

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 2017-08-08 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: NJ

Complaint narrative:
I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, Equifax and XXXX to accurately reflect the account status o my Credit Reports!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MD

Complaint narrative:
AFNI is trying to collect a debt that I owed XXXX XXXX XXXX from XX/XX/XXXX for {$500.00}. I had paid {$100.00} on the debt right before XXXX XXXX XXXX sent it to collection. They told me they had the right to tack on {$100.00}. At that point I decided not to pay because of this action by XXXX XXXX XXXX. It should be off my credit report by now but AFNI has it dated as from XX/XX/XXXX. I read that this is a tactic AFNI uses

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NC

Complaint narrative:
Background : I went thru bankruptcy, filed XX/XX/XXXX, and have made regular payments on the Subject property mortgage since the bankruptcy plan was accepted. Selene Finance is violating the Bankruptcy Plan in law and in intent by claiming back payments immediately due. I have worked hard to come back from bankruptcy. I have worked hard rebuilding my credit, by making one regular on-time payment at a time, over the past 8 years. Selene Finance took over this loan within the past few weeks. After years of making regular payments, and within weeks of taking over the loan, Selene is making an outrageous claim. Selene is claiming 16 months of back payments, for a total of {$16000.00}, due immediately. Both previous mortgage servicers, XXXX and XXXX, did not make this claim for back payments. On XX/XX/XXXX, Selene Finance immediately refused to talk with me after I accepted their request to record, and I reciprocally asked their permission to record the call. If this was all above-board, then recording should be acceptable. By emphatically and immediately discontinuing the conversation, one is led to believe Selene Finance is acting in ways that they would not want recorded. Selene Finance has already sent ( 2 ) notices offering help to avoid foreclosure, offering Deed-in-lieu, short sale, and other options. If these notices are not required by law for a new servicer, to a debtor with on-time payments, then I consider them financial bullying. Selene Finances actions are causing immediate harm in legal fees, and time spent dealing with this issue, which has not been an issue for the past 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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 applied for a XXXX Loan Forgiveness program through Fedloan Servicing in XX/XX/XXXX and was told I gave the wrong school ID number. I applied in XX/XX/XXXX and was told I did not sign the application. I contacted the Student Loan Ombudsman and reapplied for the loan. I was soon told I would be awarded the Income Driven Program [ working at a XXXX XXXX XXXX ] ; however, I would have to provide my tax return so they could re-calculate my payments. I told them my husband would not help in the repayment of my loans [ he is not a signatory on any of my loans ] and they should only use my income of {$XXXX}. I was paying approximately {$1100.00} but I soon learned my payments would increase to {$2000.00} per month, making it 66 % of my income! According to the Student Loan Income-Based Repayment [ IRB ] calculator states, I should not be charged over 10 % of my income and usually is repaid in 10 years. I can not afford this. My husband is retired and is on a fixed income. Furthermore, my loan amount is approximately {$170000.00} but with 120 payments at {$2000.00}, I will end up paying more than {$61000.00} more than that amount. I do not understand how this is a " LOAN FORGIVENESS '' Program when they are charging me more than {$61000.00} more than the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Utah Billing & Recovery Services
State: SC

Complaint narrative:
Greetings. I was totally naive and gullible. i was asked to join and i told them i do not have a job in the year XX/XX/XXXX and XX/XX/XXXX..so i told them, the day i joined within few weeks, i wanted to withdraw- the agent agreed but i did not know they send totally to collection This is against ethics, integrity ... This does not make sense They were trying to play games on naive or gullible and too honest, direct, ethical upfront now i am trying for a very important job and this is showing in the report i am really worried what will happen it has never happened they are not honest and we can not contact them according to the lady who called me also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: GA

Complaint narrative:
Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. XXXX XXXX systems account # XXXX and XXXX XXXX, XXXX The items ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) address listed on my credit profile for XXXX XXXX, XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX the address for XXXX XXXX XXXX is D/B/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.The information listed on my credit reports from these companies are inaccurate because I dont own these accounts. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, 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 non-monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Beard & Lane, P.C.
State: TX

Complaint narrative:
In XXXX XXXX, a collection attorney ( Beard & Lane Attorneys At Law ) has charged my HOA account {$2700.00} for attorney fees when I was already in a payment agreement with the XXXX XXXX XXXX ( XXXX XXXX ) that I would make my own siding repairs at XXXX XXXX XXXX XXXX in exchange for a HOA Credit. I also paid for siding repairs and some credits were disallowed for {$2800.00} ( see attached invoices ) for {$18000.00}, while I was only credited {$15000.00}. In addition, I was charged {$1500.00} in late fees while I was making the agreed repairs. 

In addition, they have violated 3 FDCPA laws to include : 1. The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ). However XXXX XXXX has added {$2700.00} in legal fees ( see attachment ) and {$1500.00} in late fees ( see attachment ) to my HOA Fees. Beard & Lane Attorneys are applying my XXXX fees and credits to pay their legal fees and is threatening foreclosure in 2 weeks ( see attached ). 
2. They have Ignored my written request to verify the debt and continue to collect even though I made the request within 30 days of the notice [ 15 USC 1692g ] 809 ( b ). I sent a Validation of Debt letter XXXX/XXXX/XXXX ( certified mail ) and on XXXX/XXXX/XXXX, I was contacted by Beard & Lane to cash my XXXX HOA fees, which will be applied to their legal fees. I requested an updated statement with XXXX payments, which I have not received yet. 
3. I made a written request for the collector to cease communication ( see attached validation of debt letter ), but they emailed me on XXXX/XXXX/XXXX to ask me if they could cash my checks I sent for XXXX HOA. They can only contact me one more time, via mail to let me know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: GA

Complaint narrative:
Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. XXXX XXXX XXXX account # XXXX and XXXX XXXX, XXXX The items ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) address listed on my credit profile for XXXX XXXX, XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX the address for XXXX XXXX XXXX is D/B/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.The information listed on my credit reports from these companies are inaccurate because I dont own these accounts. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: IL

Complaint narrative:
As of XX/XX/XXXX Experian reporting agency reduce my score XXXX points and the only thing that has change on my credit history recently is that I paid off a credit card. When I asked them my why reduced my score they told me they can not give credit advise. They were also still reporting a collection from my past that should had been removed. I have sent them a copy from the circuit court in XXXX XXXX County, IL stating that the collection has been dismissed as of XX/XX/XXXX but XXXX is the only reporting agency that refuses to remove it from my 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 2017-08-08 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when Navient took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but Navient has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that Navient has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX a Fraudulent Unauthorized Transactions came from a CLKBANK {$19.00} I reported to XXXX my card was stopped and a new card sent out ( card was stopped due to fraudulent unauthorized transactions ) I was told the card needs to be stopped! After that call to BBVA I called the company and told them this charged was not authorized by me that said my card will be issued a refund for the amount of {$1900.00} and that was done, BBVA has still choose tot make me pay for {$180.00} in overdraft fees and late fees on the overdraft fees for the fraud that happen on the account on XX/XX/XXXX When did the law change for the customer that has had Fraudulent charges done without consent or authorized has to pay for fee etc. that the bank policy is that when fraud happens the card must be stopped and all fees will be removed well all of those things has happen but BBVA has REFUSED to move the Fraudulent Fees on my account due to Fraud and I demand they removed these fees. This is the 2nd time this company has charged our card and that was just cleared up by them so both cards has had to be closed because of this {$19.00} charge from the same company.. REFUND OF NSF/OD FEES OPS COMPLIANCE SUPPORT FOR REG-E DISPUTE # Fees & Charges XXXX Banking Fee XX/XX/XXXX {$120.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Hello, I do not know who Navient is and had no information that XXXX XXXX had sold it to Navient before my paycheck started getting garnished by a company called XXXX with whom sent me nothing in writing, just calls from an unknown number and no messages left. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I submitted a deposited a check via ATM deposit on the evening of Thursday, XX/XX/XXXX. The funds were available the next business day. I waited until Monday, XX/XX/XXXX to charge against the funds. Without warning my account was frozen that evening. I realized that the account was locked when I attempted to get gas this morning, XX/XX/XXXX. At that time I tried to access my mobile banking and was unable to login. I then called the XXXX customer service number and could not validate my account. I requested live help and was told by the representative that my accounts had been frozen pending closure. Without any notice. When I asked for an explanation, I was advised that the information could not be given over the phone and that I would receive a letter of explanation in the mail. Distressed by that response, I proceeded to my local branch for answers. Upon arrival I was seen by a banker who explained that the ATM deposit was being returned unpaid, and that because the account was newer, would be closed. I left the branch to confront the business that issued the check and was advised that the check had been already been paid. Furthermore, the issuer 's bank, XXXX XXXX, provided me with confirmation of the payment. When I approached my bank with this information, I was told that it was immaterial and the account was to be closed due to the invalid deposit. At this point I am in real distress as I had transactions out on money that no one wanted to be accountable for and that had virtually vanished. I repeatedly asked for Suntrust to help in this resolution, touting that XXXX XXXX had made an effort, but Suntrust simply denied interest in the funds or my continued business. I implored several times asking for administrative contacts who could help me, but was instructed to call the XXXX number. The number that refused to talk to me at all. Now I am terrified that my meager assets have been frozen, and that the money will not be recovered in timely manner ( because Suntrust shows no interest in resolution ), and I will be doubly responsible for these funds. I have no recourse at this time, with the exception of this complaint. I have tried to contact attorneys to help me navigate the system, but have been unable to find any that practiced in this area. Please please please help!

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 2017-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates, which i hold no contract with & have never had any business affiliations with, reported a collection to y social security #. A debt in the amount of {$690.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Portfolio Recovery Associates have failed to respond to my request. And have yet to give any adequate proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
In XXXX, 2017 I applied for a VA loan through Guaranteed Rate. Was told by XXXX XXXX that my we did not qualify for a VA loan because my dad 's credit score was too low ( over XXXX ) and his credit was really bad but I alone qualifed for a First time homebuyer program. Guaranteed Rate ran my dad 's credit three times and because of this, his credit dropped so low that he no longer qualified for a VA loan. Now, my dad is facing being homeless as he has to be out of his place by XXXX, 2017.

Company response to consumer: Closed with explanation