vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-08 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: VA

Complaint narrative:
I filed for Federal Loan Forgiveness with Fedloan Servicing in XXXX of 2019, but continued to pay on my loans with XXXX, a Department of Education Servicer. I received notice from XXXX that my loans were being transferred to Fedloan Servicing on XX/XX/2019. I had already paid XXXX on XX/XX/2019 my XXXX, 2019 payment. When Fedloan received my loan from XXXX they again billed me for the month of XXXX of 2019. I had no choice but to borrow the money and pay them a second payment for XXXX of 2019. I phoned Fedloan Servicing about this matter and spoke with XXXX ( operator # XXXX ), who transferred me to XXXX ( service operator # XXXX ), who transferred me to a supervisor XXXX ( operator # XXXX ). It is not fair that I be charged two payment in the same month. Money I do not have that is being juiced out of me by Fedloan Servicing who is in a position to deny my loan forgiveness if I do not pay. I want my second payment for XXXX of 2019 returned to me or applied to a future payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am in the PSLF program and had to refinance into FedLoan Servicing when I enrolled in it. I requested a complete breakdown of each qualifying payment back in XX/XX/XXXX, and after about a year of waiting, FedLoan provided me with a letter detailing each payment that qualified, and each that did not. Many of the payments which had been back counted from when I was paying to my earlier servicer, XXXX XXXX, were shown to be amounts ofXX/XX/XXXX, or amounts under XXXX XX/XX/XXXX, short of the total billed amount, so they did not qualify, according to FedLoan Servicing. I myself have records from XXXX XXXX showing that the payments amount were equal to the billed amount, so those payments had been paid in full. I called FedLoan Servicing, and after great length and several support specialists, one told me that I might be in " paid ahead '' status, or I was for years. They were thinking that is what  happened based upon looking at the amounts. This means that they think I probably paid more than was necessary for a couple years ( I had made payments toward my loans when the amount due was {$0.00} ) and my billed amounts were lowered later on, and I should be paying an amount different than the billed amount. This information was never given to me, and there was no way to know that I should pay a different amount than the billed amount. FedLoan says that there is nothing I can do, but I would like these payments to be re-evaluated and considered to count as qualifying. I have not seen consistency in the information I've had from FedLoan over these years, so I do not think they are a reliable resource for recordkeeping or information at this point. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have a credit card by Comenity - Meijer MasterCard. When I received my XXXX payment on XX/XX/XXXX for a sum amount of {$510.00}, I noticed there were several Fraud transaction purchases on my credit card under XXXX, XXXX XXXX, and others under this # XXXX CA. Further search on my past available payment forms from XX/XX/XXXX to XX/XX/XXXX I noticed there were several Fraud transactions under # XXXX CA for the amount of {$1500.00} without my knowledge. I called Comenity - Meijer MasterCard ( phone # XXXX ) and reported the Fraud activities. Comenity - Meijer Master Card representative informed me there are several fraudulent payment purchases on my card and that they will investigate and send me a letter of the results in a month ( XXXX ). 

I received a second statement of XXXX that listed all of the Fraud activity on it ( see attached ). Since it was a month that passed and they did not respond with the letter as promised, I called them back. They then told me that I am fully responsible for all the Fraud activities without giving me any reason when I asked. The Comenity firm is responsible to protect their customers from Fraud and should inform them by mail, email, or call for any of these unusual activities on the credit card. Lastly, they should follow through with sending a letter as they said they would in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Chrysler capital is my lender for a vehicle lease. Back in XX/XX/2017 I incurred a 30 day late negative remark due to a bit of hardship. Now 24 months later I've requested with the company to please remove the negative remark from my credit report based on goodwill and the fact that this was the only late payment in the 36 month history. I'm pleading the the negative remark be removed as you can see my current credit history shows my responsibility and ability to pay back. Chrysler Capital said it would be removed after 24 months but the remark is still showing on my credit report. 
I can guarantee that this lapse of judgment will never happen again, thank you so much for your time and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient, the servicer of my Stafford Unsubsidized Student Loan, may have harmed this borrower by steering him toward forbearance or other products such as suggesting interest accruing forebearance, income driven repayments, and Federal Direct Consolidation Loan Promissory Note agreements instead of guiding them through the process of applying for income-driven repayment plans that would provide lower monthly payments and a possible opportunity for loan forgiveness. 

The loan was initiated in XX/XX/XXXX with disbursements totaling {$7200.00} The current balance ( which includes late payments, check fees and accrued interest ) equals XXXX. Over 11 years the principal has not been reduced, rather, {$5600.00} has been added to the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XXXX XXXXfell hurt my XXXX. had go to emergy room. had insurance that covered my vist never notifed of this dedt. that was sold to this dedt collector. without my knowledge. now has been reported and is now affecting my score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: FL

Complaint narrative:
For quite some time Ive been dealing with a possible Mix match identity situation and have a few things on my credit report that does not belong to me.

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 2019-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
To whom it may concern : On XX/XX/2019 I wrote a letter to Trans world Systems, XXXX XXXX XXXX, XXXX, DE XXXX ( collection Agency ) concerning medical bills ( 3 ) in total. I requested proof of contract to substantiate their claim to collect. They responded with a bill, not the proof I requested, within 30 days. On XX/XX/2019 I wrote another letter stating they are violating ( The Health and Insurance Portability Act ) giving them an additional 30 days to respond, with proof that I have a contract with them, and they sent nothing! So, on XX/XX/2019 I wrote another letter to ( Trans world Systems ) a third time giving them an additional 10 days requesting proof, they sent nothing. On, XX/XX/2019 I wrote a letter to XXXX XXXX the ( original creditor ) asking them to send me proof that I gave them permission to give my medical info to a 3rd party ( Trans world Systems Collection Agency ) they never responded. I'm filing a claim against Trans world System Collection Agency who has continually reported to the three credit reporting agency derogatory medical collection, violating the law. Please assist me in this matter, as you can see I've communicated with them several times month after month to no resolve. Thank you for your time. 

It's reporting on my credit file as follows : 1. Trans world System, Partial Account # : XXXX, Amount : {$430.00} 2. Trans world System, Partial Account # : XXXX, Amount {$120.00} 3. Trans world System,  Partial Account # : XXXX, Amount {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have dispute several times that this card was opened fraudulently and im foing and will do whatever necessary to provide proof i didnt open this account. They have made no attempt asbi have not spoke to one person over the phone in this regards i filed a formal identification theft report with the property department and followed the steps im trwuired to do. This is causing a great deal of frustration and a real inconvenience for me. I just paid off a XXXX XXXX XXXX  house and have no mortage payments i dont need this capital on credit card with a XXXX balance to be the oe and only negative mark on my report its absolutely rediciculous!!!!!!!!!!!!! @ @ i want this removed immediately!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: CORELOGIC INC
State: OH

Complaint narrative:
I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX DOB XXXX SS XXXX.My current and only address isXXXX XXXX XXXX XXXX XXXX OH XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )

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 2019-12-08 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: FL

Complaint narrative:
For quite some time Ive been dealing with a possible Mix match identity situation and have a few things on my credit report that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08 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: FL

Complaint narrative:
For quite some time Ive been dealing with a possible Mix match identity situation and have a few things on my credit report that does not belong to me.

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 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Be advised attached is documents proving that the address associated with the account listed on my credit report, from XXXX XXXX is not accurate. It was reported to all 3 credit bureaus as a fraudulent and unauthorized account by the consumer. The address that I resided at in XXXX and XXXX was a different address that was also listed on 2 credit bureaus report except Experian. My address was not updated until years later when I moved. A unknown individual obtained my information, where my information was found in the dark web, in several data breaches and etc. information that was compromised was my social security number, family members addresses, employer information and also at that time my drivers license was also stolen and then a new one was issued again. My date of birth, email address and other banking info as well. An account from XXXX XXXX was opened in my name and there were no physical authorized signatures by me, nor any documents received. Also my email information was compromised and used by a unknown source. An identity theft report was created after observing and also security alerts were placed on my credit report with all 3 credit bureaus. Please see attached documents that show the address that I was living at and also that was reported to bureaus. Date of address that I resided at was reported was on XXXX XX/XX/XXXX. This XXXX XXXX account was reported open on XXXX/XXXX/XXXX. Also my Experian credit report had a freeze on it at the time. I was not contacted by XXXX XXXX in reference to this. Its possible that someone used a fraudulent app that generated my number in order to obtain credit. I have been in dispute with this account and Im currently gathering all documents to represent my case for further escalation in the removal of this account as I have already sent in many documents. My current address is what is currently on file with Experian. This was not my address or where I resided at the time of this card opening.

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 2019-12-08 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: Innovis
State: OH

Complaint narrative:
I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX DOB XXXX SS XXXX.My current and only address isXXXX XXXX XXXX XXXX XXXX OH XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX DOB XXXX SS XXXX.My current and only address isXXXX XXXX XXXX XXXX XXXX OH XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2019, I received an email from Experian that my IDnotify service had expired. I have no problem with this since I was expecting it. The problem arises when, in the same email, they notified me that my Experian credit file had also been unlocked. Before the days of free credit report freezes, I paid Experian to freeze both my and my wife 's credit reports. Having paid to have it locked, I expect it to stay locked until I request the freeze to be lifted and they should not be able to unilaterally unlock it unless I request it. 
I tried to log on online and for some reason they would not let me log in to my account. I tried to call the number they gave me ( XXXX ) and was told that because of large call volumes, I should call back later. In dealing with the privacy of my finances, this is unacceptable. 
I have no idea if my credit report is frozen or not.

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 2019-12-08 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: AL

Complaint narrative:
I have several accounts on my credit report that do not belong to me. Ive asked the bureaus on 4 different occasions to provide accurate validation of the claims, debts, and inquiries affecting my credit and theyve failed to comply with the FCRA by doing so.

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 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
the wrong address - an address i never lived at - is on my credit reports and associated with a number of my accounts. somehow???? several of my accounts became associated with my ex-husband 's address. i keep trying to get this sorted out with the credit scoring companies - experian, XXXX  and XXXX  - but they say they can't update address until reporting companies fix address -- - the address has been fixed on all accounts that i am aware of / that are legitimate. but for the accounts that are NOT legitimate - i can't dispute the account because the credit company sees the ( wrong ) address reported by credit agencies .... so i am in a catch-22. my credit is destroyed because credit agencies have wrong address associated with my name - bills i have never received / don't know about -- and i can't get information corrected - so the problem will never end. this results in me getting turned down for jobs, loans, mortgages, credit lines ... ruins my life. but not my fault. PLEASE HELP ME. 

XXXX, experian and XXXX XXXX also have several variations of my name that i have never used associated .... and some credit inquiries that i have never authorized. these can not be disputed with the reporting agencies - so it will never be resolved. again - this destroyed - continues to destroy my credit. please help me.

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 2019-12-08 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: Service Finance Holdings, LLC
State: IN

Complaint narrative:
Paid off home improvement loan in XX/XX/2019 and credit report is showing late in XX/XX/2019 and failed to pay in XX/XX/2019. I contacted Service Finance and was notified since loan is paid off there is not they can do. I disputed claim with no resolution. I have attached letter for Service Finance stating loan was paid in full in XX/XX/2019.

Company response to consumer: Closed with explanation