vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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: TX

Complaint narrative:
Sagestream for many months now has not assisted me with my Identity theft, I did submit a complaint many months ago with the CFPB in which sagestream responded to call them and addressed me by the name " XXXX '' My name is not XXXX. Again they didn't read my complaint. I am victim of identity theft, and I am requesting SageStream Place a Security freeze on my file, along with providing me with the Pin for Said Freeze, and to dispute all the inquiries on my SageStream File, as I have not inquiried with any of these companies and the inquiries are a result of fraud, Identity theft. I am a victim of identity theft, and I have provided SageStream with my identity theft affidavit which they refuse to use or accept from the FTC. SageStream has not resolved the fraud, and honestly they do not call back. I have left several voicemails with my phone number, and name Slowly. They never answer the phone " always make you leave a voicemail '' They do not call back, and do not follow the FCRA Laws. SageStream is used by many lenders. They are allowing fraudulent applications on my file, and I do not accept that I am a victim of Identity theft and per fcra law 603 ( b ) I am requesting Sagestream following the proper FCRA Laws and place the security freeze on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I tried so many time to contact XXXX regarding this billing XXXX/XXXX. I always took a one hour lunch and spent it days on end on hold with XXXX. I could never get anyone to come on line. The only response is automations encouraging you to wait. My simple question was how did my billing get to be so expensive, and I was suspecting there was some form of fraud. After I had finished my term for the job I decided to wait all day to talk to someone no matter what or how long it took. I was told there were movie rentals which I did not give approval for, but still no one could have a bill that large from movies. I ask the representative to send me the billings for the past months so that I could see detailed information. So finally I did get a billing with only dates and dollar amount with no explanations as to what the charges were for. I was discouraged and sad that I had to give up XXXX. Within the next few months I began checking my credit reports only to find that XXXX had written off the billing as a Charge Off. I was relieved and truthfully at my age I would probably be dead before the bill was paid. So it was written off and I believed that to be true because it was on the credit reports. I do understand collections and know that some old billings do get sold for maybe XXXX cents and a new collector like this one is trying to collect. If it is written off then I am not obligated. However if I should every win the lottery then I will pay anything I owe off in a heartbeat. I am not happy about this interruption and will be going through my old credit reports to look for the Charge Off. I think someone needs to do their homework.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A few months ago I had a dip in my credit score which Caused Bank of America to make the decision to close my Credit Card account that I help with them. At that time, I had not made one late payment to THEM but because of my scores, they closed my card. I called a few times to try and fix the situation because their actions further affected my credit which is not fair to me as a consumer. I am now on the hook for over {$2500.00} on a card that was closed because of no fault of my own.

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 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
This involves Statebridge Company LLC, located in Colorado. My mortgage was sold to this sorry excuse of a company in XX/XX/2017. It is a conventional mortgage with a 5 % interest rate. My payment has always been {$390.00} and I pay my own taxes and insurance. In XX/XX/2017, Statebridge, for some unknown reason decided to pay my property taxes, and as this was unknown to me, I went to pay my taxes in XX/XX/XXXX. After finding out that they had been paid by the company, I immediately called and got nowhere. I called an additional 11 times and never spoke to the same person, until I spoke to a Mr XXXX who couldn't figure out what happened or why. This went on with telephone tag for about 2 months. When I finally reached him, he said all I should have to do is return the amount of money that they had paid for my taxes, which I did the very same day, I will send a copy of the check. I gave them a few days in order for the check to reach them and I called back to see if everything was squared away. No, they haven't even posted the check and argued with me that they hadn't gotten it. My bank verified that it was sent and cashed, so I was not very happy. All this time they are taking escrow money out of my regular payment, making it look short and charging me late fees every month. I was done with Mr XXXX and asked to speak to someone over him. I ended up with a Ms XXXX and after about 6 weeks she came back with this brilliant plan in which I had to pay {$100.00} in order to clear up the escrow mess that they created. By this time I was so disgusted I asked if this would clear everything up and if it would I would send it out right away. I called back the next day to find the correct address to mail it to and I ended up with Mr XXXX, oh happy day, not. Now he tells me that I have to also send in every late fee that they have added to my account. ( Please remember this is their mistake in the first place ) All this time I am still sending in my regular payment of {$390.00} but they wanted {$510.00} because they were still taking escrow out, can you believe this? Also, to add insult to injury, they contacted the credit bureaus, all 3 and reported my account delinquent. This dropped my credit score from XXXX to XXXX. Now I am enraged and let Ms XXXX know that I was enraged. After that, she refused my calls and my emails. I applied with XXXX for a refinance and because of what they had done to my credit, I had a very hard time, but it finally went through but these derogatory remarks remain on my credit reports. One of them has deleted Statebridge from my report, I think it was XXXX, after I filed a dispute. I filed disputes with the other 2 also, but they haven't removed the delinquent marks from their reports. Can anything be done about this corrupt company?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: RI

Complaint narrative:
I currently have a Fedloan that I began to pay on as of XX/XX/2016. The payments are never decreasing. I originally took the loan out for {$27000.00} and it then totaled {$50000.00} due to interest which is absolutely crazy and they never told me it would come out to that much interest. Secondly, I am in this Public Service Loan Forgiveness Program which after 120 qualifying payments they are to forgive the rest. Well, every time I make payments and ask they never go towards the qualifying payment but yet never have an answer of what QUALIFIES for the payments. And the topping on the cake is that lately for the past three months, they have been cashing the checks with all the wrong amounts. The payment is XXXX. This past month they only cashed the check for XXXX dollars when the check was written for XXXX dollars and it was written in three areas. They then charged me a late fee because they stated that I only sent the check for XXXX which I have the check in my bank statement for XXXX. They charged me XXXX after and stated I was late. The month before that they cashed a check for XXXX luckily I had enough in my account for that when the check clearly stated XXXX I called them multiple times on this matter also and they have no response just that they messed up but surprisingly I still owe the money like its my fault. Then the previous month before that I used my debit account well AFTER the payment was late they notified me a week later that the payment never went threw even though I wasn't late on the payment and they never told me the payment never went threw. I am very dissatisfied. The people working there never know anything, it is so frustrating meanwhile, I am the ONLY one probably paying these loans and they give me a hard time. Please tell me you can do something for me because what they are doing is wrong! And I need someone to get this right! Thank you. Please email me back at XXXX or call me at XXXX XXXX XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I missed a payment on this card and they turned it off. In XXXX I called to find out what the pay off balance was on the card. I made that payment. Got a notification that i still owed money the next month. I made that payment as well. Somehow they are still saying I owe {$150.00}.

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 monetary relief
Consumer complaint received 2019-07-30 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: MA

Complaint narrative:
2 Loans Opened for supplemental funding of XXXX Studies : Loan 1 : {$6200.00} ( Paid in full XX/XX/XXXX ) Loan 2 : {$2800.00} ( Paid in full XX/XX/XXXX ) As of XX/XX/XXXX my credit report still shows the following debt : Account # : {$6200.00} Account # : {$2800.00} I have taken out multiple loans with this incorrect debt impacting my credit score and available interest rates. XXXX has been reporting invalid debt for over 4 years.

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 2019-07-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I opened an account on XX/XX/XXXX with XXXX XXXX, to shop at XXXX XXXX. I never received a hard credit card, just the paper one at the store during checkout. I'd not received an invoice for the {$110.00} I charged. XX/XX/XXXX I began what would be a 2 month odyssey to obtain 1. ) the credit card ; 2. ) the invoice for the balance. I always pay my bills on time, my entire life. I've attempted to locate said company via an email and XXXX ; to no avail. 
Finally, I received notification that it has been sent to collection, or something. 
I want and have attempted to rectify/pay this balance in full, but can not find a way to pay this. 
As mentioned, I've always paid my bills on time and have excellent credit. I want to cancel this credit card AND pay this balance off in full. 
HELP!!!!!!!!! PLEASE!? 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XX/XX/XXXX XXXX : I'm partially deaf therefore, primarily use email for communications.

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 2019-07-30 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: MS

Complaint narrative:
I have account Experian several times for over a year disputing the ownershio of an XXXX XXXX University. XXXX XXXX University is systematically and fraudualently continuing to report this account information to bring harm to my name. I would like the computer fraud to stop. Experian is collecting money from companies like XXXX XXXX at any cost. Please stop.

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This morning I discovered an authorized transaction from TransUnion. They withdrew XXXX from my checking account. The transaction stated TU*TRANSUNION XXXX XXXX I called them and they routed it me many times to different people. Each were asking social security number and birth date. They said they were going to refund me but their transaction caused me to overdraft. I looked online and this has happened to many people. I eventually was routed to fraud department and they said the number listed on the transaction is an old number. They said they put a fraud alert and security freeze but it is ridiculous that this happens with this particular company.

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 2019-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In XX/XX/XXXX my husband enrolled in Rate Reduction Program at Sallie Mae. On XX/XX/XXXX ( company sold loan to Navient ) enrolled in what we thought was a similar program with Navient. We understood the program to be Extended Payment Option extended out 15 years with permanent payment of XXXX. We renewed again in XX/XX/XXXX with another rep. in XX/XX/XXXX. In XX/XX/XXXX told by a rep that the payments were extended out 24.5 years to the year XX/XX/XXXX. This outraged me, because I never have been so duped. Found out recently that Navient promissory note reads that Monthly Variable Interest Rate Option repayment period is 20 years. We've been paying 17 years. We never agreed to 24.5 more years extended out. I would like to hear the phone conversations of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( year XX/XX/XXXX ) with the rep XXXX from Navient. 
I've been told there is no discharge of loans for the cosigner. My husband is XXXX XXXX   and in XXXX XXXX with XXXX XXXX. I have ask the rep for what happens after my husband dies with the loans. He has paid well over the amount initially owed. He's paid $ XXXX on an original loan of XXXX. He still owes XXXX. He's been paying 17 years. 
Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late I should not have. I came in and made a large payment of {$4000.00} and the representative I talked to said it would cover the next month 's payment. I have had this account for over a decade and have never had a late, this wasn't my fault. I would like for the late to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late I should not have. I came in and made a large payment of {$4000.00} and the representative I talked to said it would cover the next month 's payment. I have had this account for over a decade and have never had a late, this wasn't my fault. I would like for the late to be removed.

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 2019-07-30 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late I should not have. I came in and made a large payment of {$4000.00} and the representative I talked to said it would cover the next month 's payment. I have had this account for over a decade and have never had a late, this wasn't my fault. I would like for the late to be removed.

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 2019-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore refuses to verify the accounting of my loan they have NO RECORDS from the preious Servicer 's and no one knows where my overpayments were applied. I have REPEATEDLY REQUESTED MY SERVICING FILE AND TO DATE HAVE NOT RECEIVED IT. 
They fraudulently foreclosed on my home and are trying to evict me despite denying my right to redemption, my right to have the debt validated, my right to know where my Money went There is over {$96000.00} in payments that someone has.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: UT

Complaint narrative:
Equifax has a freeze or alert on my file and they will not remove it. I have tried multiple times to get this removed and they have yet to do so. I need this removed so I can view what they have on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I opened an account on XX/XX/2019 with XXXX/XXXX XXXX, to shop at XXXX XXXX. I never received a hard credit card, just the paper one at the store during checkout. I'd not received an invoice for the {$110.00} I charged. XX/XX/2019 I began what would be a 2 month odyssey to obtain 1. ) the credit card ; 2. ) the invoice for the balance. I always pay my bills on time, my entire life. I've attempted to locate said company via an email and XXXX ; to no avail. 
Finally, I received notification that it has been sent to collection, or something. 
I want and have attempted to rectify/pay this balance in full, but can not find a way to pay this. 
As mentioned, I've always paid my bills on time and have excellent credit. I want to cancel this credit card AND pay this balance off in full. 
HELP!!!!!!!!! PLEASE!? 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MI XXXX XXXX XX/XX/XXXX PS : I'm XXXX XXXX therefore, primarily use email for communications.

Company response to consumer: Closed with explanation