vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX insurance billed me in 2016, they claimed for non payment of their premium for 1 month the sum of {$410.00}. I have tried to get validation for the excessive amount to no avail. It seemed by my switching Insurance company this bill was a retaliation and abuse of consumer information. We have the right to change insurance companies without worrying about our credit being affected. This abuse of credit reporting should not be tolerated and privileges should be revoked. And to add insult to injury they lied about when the debt originated so that it stays open and renews yearly. This fee is unsubstantiated and excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, U S DEPT OF ED/XXXX 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 2019-07-02 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:
I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. Remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, U S DEPT OF ED/XXXX/XXXX 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 non-monetary relief
Consumer complaint received 2019-07-02 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: GA

Complaint narrative:
There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked the credit bureaus where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: GA

Complaint narrative:
There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked the credit bureaus where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX ( Original Creditor : XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) 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 2019-07-02 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: GA

Complaint narrative:
There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked the credit bureaus where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) 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 2019-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Scheduled a payment of XXXX to go through onXX/XX/XXXX, mr cooper took over XXXX and did not disclose that any fees would be taken. I only authorized the XXXX and mr cooper confirmed that amount. Mr cooper also reported information wrong on our credit report. I called mr cooper to inquire about this matter. They blamed the error on the transition from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX : Current Creditor XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX : current creditor XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Current Creditor XXXX XX/XX/XXXX I advised all creditors that I had medical coverage and there should be no bill or debit I went over it with Medicaid and told them that they were advised to contact Medicaid and it would be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received three emails claiming the loan I applied for was denied because of my credit, well the thing is I haven't applied for a payday loan with any company in over a year. When I replied to the email the company said if I check my paperwork it will tell me that they are loan provider. I didn't understand because they assume I knew about the loan but that I didn't know it was from them, I further explained I never applied for a loan well on today 's date XX/XX/XXXX at XXXX I received another denial letter about a recent loan. I asked for proof of this loan they claimed I signed and all I received was another email of a recent loan denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
I submitted required documentation for certification of my employment for Public Service Loan Forgiveness in XX/XX/XXXX. I received confirmation the the employment was certified via letter from FedLoan indicating the following : Qualifying Payment Tracking for Public Service Loan Forgiveness In the next few weeks, we will calculate and provide you with notification of : The number of qualifying payments you have made during the qualifying employment period listed above, The total number of qualifying payments you have made during all periods of qualifying employment approved todate, The estimated number of payments that are still required, and The date you are expected to be eligible to apply for forgiveness. 

However, it is now XX/XX/XXXX and I have not yet received any information regarding an update of the number of qualifying payments. I have contacted the servicer and no one has been able to tell me when the review/update of my qualifying payments will be made. It has been 9 months without resolution. This is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: DE

Complaint narrative:
On XXXX 2019 a debt collection was placed with both XXXX  & XXXX  for {$3000.00} from Midwest Recovery System, LLC. I contacted them and informed them this is NOT my debt. They refuse to remove it. I filed a complaint with both credit agencies and sent a letter to Midwest to provide me with documentation on this so called debt. To date nothing has been received. 

I have never received any calls or letters about this debt. It just showed up on my credit report at the end of XXXX 2019 out of the blue Negatively affecting my credit score. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Within the last month my Equifax credit was pulled by XXXX, XXXX and XXXX XXXX. each time, Equifax failed to either provide my credit report and score, thusly a decision of decline or unable to move forward with my application due to Equifax reporting of my file. 

XX/XX/XXXX XXXX XXXX applies for a XXXX XXXX Card. The application is still pending and XXXX XXXX states that Equifax has been unable to provide my credit report to them so a decision can be made. 

XX/XX/XXXX XXXX XXXX can not approve a credit Line increase because the Equifax file sent to them didnt contain my full credit report. The report showed only a few accounts and XXXX didnt feel I was established in the credit industry. I am a senior with 91 accounts and 31 active accounts. I have excellent credit without one blemish. 

XX/XX/XXXX XXXX XXXX XXXX declined a credit line increase because Equifax was unable to furnish a score or my Equifax report. 

XX/XX/XXXX XXXX XXXX is unable to approve my credit application because Equifax is unable to provide a score and credit report to XXXX. 

Equifax has attached 4 inquiries on my report and hasnt provided accurate or complete information of my credit file. I want the inquiries removed because the complete file wasnt provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
The calls are never ending and they call as late as XXXX. I got a loan through Navient in 2004 for a school called XXXX in XXXX Fl, later to find out that school isnt credited.They later changed the name to XXXX but the credits dont transfer and Im stuck with a XXXX $ bill that keeps increasing. I took two classes and only attended a semester. The school is fraudulent and I shouldnt have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Below is the outline of the problem which I sent to Bank of America over a year ago via a certified letter. I have yet to receive a response? When I went to a local bank to open a new CD, I was informed that there was a report of account abuse attributed to my social security number. This bank was not able to provide much information due to confidentiality/compliance issues, but we were able to find out that a fraudulent bank account was opened at the Bank of America, by XXXX XXXX, of XXXX XXXX XXXX, XXXX, NY XXXX. I have never lived in NY. There was an overdraft of XXXX. When I contacted Bank of America they would not provide any additional information. I have no knowledge of this person and have no relationship with Bank of America. In short BoA allows fraudulent accounts to be opened against SSN 's without checking that the SSN actually belongs to that person. Incompetent to say the least.

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 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested validation from Bank of America and all I received was a generic letter. This account is extremely old and I have been requesting a payment history and they still have not provided. They only sent a letter indicating the information is accurate. IT is not accurate. I want to see how the payments were applied when they are made etc.

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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I froze my credit reports with XXXXXXXX XXXX and Equifax after the data breach at Equifax. While XXXX and XXXX have provided easy access via web portal for me to freeze/unfreeze my credit report as needed, Equifax is being incredibly difficult. They refuse to let me log in to the myEquifax portal, and they won't tell me why. I spoke with a customer service rep last night XXXX XX/XX/2019 XXXX, and not only was he unwilling to explain why I am not allowed to log in, but he also refused to let me speak to a supervisor ( he said " there aren't any available to speak with you '' ). By then end of our conversation, he told me he would send me an email with instructions about how to unlock the portal, and also an email contact for a supervisor, but the email just restated that I was not allowed to log in to the myEquifax portal, and he failed to provide a contact email for a supervisor. Basically, they are telling me that they only way I can freeze/unfreeze my report is to call in a spend a half hour on the phone with a customer service rep verifying every detail of my financial life ( or send a letter via USPS ). The only reason I need to freeze my credit reports is because of their own security negligence, and now they're basically telling me that they own my credit report and I can only freeze/unfreeze if I play by their rules. Do I have any legal recourse to force them to provide me access to the myEquifax web portal? Or to at least make them explain to me why they refuse to let log in? Like I said, the other XXXX bureaus have made this process simple and streamline, it's just Equifax that is making this difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is reporting two accounts that are very old. I have requested payment history directly from the company and what they send is nothing more than a generic letter. I need the full history because the two accounts I believe to be past the statue of limitations. I need the full transaction history for both account number ending XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: WA

Complaint narrative:
I am still waiting for Fedloan Services to publish the ability to recertify my income for my income based repayment plan. XXXX had me in the most expensive IBR instead of REPAY. I requested the least expensive option when I applied for the initial IBR from XXXX   because I was going to apply for public service loan forgiveness after 120 payments. 
My original payment was hundreds of dollars more than it should have been but I trusted that XXXX knew what they were doing. I had to have my payment recalculated last year to the repay IBR and it took so long to process Fedloan Services was sending me payment notifications for $ 1400+. Then when my payment was finally recalculated they made it so my new payment would not count for the first month against public service loan forgiveness. I also had to request a deferment for a month for the last 2 years because it takes so long to have them process the annual recertification. Once the magical new payment is calculated there is absolutely no time to budget for the new calculated payment causing a significant hardship and payments that dont count towards PSLF because they took so long it was either enter deferment or cough up $ 1400+ for a non IBR payment until they finally figure out their recalculated payment or risk my financial future and jeprodize my security clearance. 
There is no reason why the loan recalculation can not be done with months for the individual to plan for the new payment. 
Tax filings are due every year at the same time. They are using that information to calculate the new payment. There is no reason why if it takes months for a computer system to apply some magical formula that it can not be a process that starts in XXXX, the new payment is calculated by XXXX and the individual starts paying the new payment in XXXX instead of the current process that causes absolute anxiety and unnecessary deferments. 
My payment is always out of wack because my husband is XXXX XXXX military and his income changes depending on whether he is in a XXXX XXXX and his income is used to calculate my payment creating a marriage penalty that non married individuals do not have. If they were my husbands loans SCRA would apply ; however, it doesnt even though youre using his income for payment calculations. So it is ok to put a military service member in a financial hardship if it is the military spouses loans but not ok if its their loans. If the military service members income is used to calculate my payment then SCRA should apply regardless of whos name is on the loan. 
My calculated payment should be based upon my income as a government employee and should not have anything to do with my spouses income because a single person paying 10 % of their disposable income pays less than what the marriage penalty is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian lowered my score by 14 points on XX/XX/26. When I called on XXXX for an explanation they could not give me one. All of my accounts are paid on time, i did not have any collection accounts, nothing changed on my report. The other credit reporting agencies did not lower my score. The person who assisted me on the phone clearly stated that he could not explain why. This changed my rating from good to fair, i spent alot of time fixing my credit and this is very discouraging. I STRONGLY SUGGEST that the government investigates Experians practices as they are now offering the chance to put your utility bills on your credit report to increase your score. They charge for this service. Now if they randomly lower your score for no reason that may prompt most people to use this service. I am demanding that my 14 points get added back to my fico score as there is CLEARLY no reason for my score to be decreased OTHER than illegal marketing tactics to use the new service that they are offering. Please investigate. Thank you

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 2019-07-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of identity Theft. I obtained a police report # XXXX. Please block and remove all information from my credit report. The following item do not belong to me and is a result of fraud that I did not authorize.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: MA

Complaint narrative:
I submitted a request for XXXX to determine how many payments I have made during my loan history qualified for public service loan Forgiveness. This request was made in XX/XX/XXXX. The request has not been completed as of today ( XX/XX/XXXX ). When speaking with XXXX, they said that payment review is incomplete because Navient has not sent electronic records to XXXX. It has been over 10 months! This is unacceptable, negligent and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For the XXXX year in a row Equifax has requested I send in a form to receive my credit report. It states not able to provide online every year I pay postage make a copy of my ID & SSN and bill verifying my address and they dont send me my credit report. This year is no different. Please forward me my credit report which my is right per law. Thank you

Company response to consumer: Closed with explanation