vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called equifax to see why i have good standing accounts that are not being reported, i have contacted the companys first to make sure they have been and they have replied back that they have investigated and are for sure reporting accurate information. But when i contact equifax they tell me to contact the companys again in which i have done so but still have the same outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with Equifax informing them that there was an account on my credit report that did not belong to me and that I wanted them to research it to verify that the account was indeed mine. I received a letter from Equifax dated XX/XX/XXXX Confirmation # XXXX stating that they researched the account and that the account has been deleted off of my credit report, which it was Recently I was checking my credit scores and noticed a drop in my credit score by over 100 points with Equifax then I noticed that they have put the account that they had originally researched and deleted from my account back on my credit report. On XX/XX/XXXX I called and talked to somebody about this matter and they told me that they would remove the account once again and that it would take approximately 2 weeks. On XX/XX/XXXX I checked my credit report again and the account is still remains in my credit report. On XX/XX/XXXX, the same day I send Equifax via fax and USPS mail a copy of the letter that was sent to me but they have to remove the account from my credit report. I want this account removed from my credit report immediately. According to the letter they sent me on XX/XX/XXXX they researched the account and obviously could not verify it so they deleted it from my credit report. Why did they put it back on there? And why wo n't they take if off " AGAIN '' after assuring me it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
After reviewing my credit report today I noticed that here are two reporting on my credit report for the same auto loan from 2010. This is inaccurate there was only one lien taken out on the vecihle went I returned back to the dealership after numerous mechanical issues I expected with the dealer. The lien was paid and should only be reported on my credit report once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XXXX 2017 I noticed a collection account on my credit that was never there before from a company called Portfolio Recovery. I originally disputed the account with the bureaus. however according to the bureaus the company alleged the account is mine so i contacted them. Its been 6 months and i have not received a response from them and i do not know what the debt it for- it was never validated and i was not contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Due to the nature of how this company closed my account when I was always current with payments I 'm disappointed at the fact that this is still showing on my credit report. I have n't applied for the store credit card since it was closed. The card was closed by a phone representative mistakenly several years ago when she assumed that I wanted to close the account. Once I found out that the card was closed I called to see if I could have the credit line again and I was denied. The phone agent closed the account without asking me for confirmation and since then I 've never had the opportunity to have a credit 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 2017-08-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar has filed foreclosure without standing or jurisdiction. 
Nationstar has knowingly and repeatedly demanded payment for a debt they know is not due. 
Nationstar filed foreclosure relying on a nonnegotiable instrument. 
Nationstar filed foreclosure when it does not have a right to enforce the Mortgage. 
Nationstar breached any and all contractual obligations and is liable to me for damages. 
Nationstar did not acquire legal title to the note and is not a bona fide holder or purchaser for value. 
Nationstar is liable to me for breach of contract. 
Nationstar has committed fraud and is continuing to pursue a claim which it knows is not valid. 
Natoinstar has violated TCPA on multiple occasions. 
Nationstar has violated FDCPA and continues to do so. 
Nationstar has filed false credit reports. 
Nationstar charged for an home inspection that did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I attended an online school but did not finish. I withdraw from it. I did not receive a loan agreement to how much I will be paying for how long. My loan provider gave me a outstanding balance of XXXX plus which I can not pay long term. XXXX yrs. Which I will be retired with no money broke, by he time I am done. I lie by myself in a high paying rented apartment, with no help. I have a learning XXXX plus anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Ive been using discover for twenty years or so never had so much XXXX in my life.the merchant charged me twice for same thing. discover disagrees but i allowed one charge of XXXX got that and dont like it.this was the full price for that item.I told the company i dont like it and i told discover the same.I cancelled the card because this company has figured a way to recieve monthly income regardless of what the consumer says or feels.Because of the stupidity how discover card is now being run.between the company and credit cards this is legal fraud.I didnt get no more items discover card claims i did because they put it in my mailbox.It just isnt true.I believe the company plans to charge my credit card again next month XXXX so i stopped it.Hopefully you will also.I will payoff discover what i owe but not what i dont owe.so it will be payed less at least one XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In 2010, I had an account that closed with this company that was paid off completely with both XXXX and Victoria Secret. About a year ago I was offered the opportunity to open a new account with Victoria Secret that is current on all payments. The old accounts are still showing as closed on my credit report even though we have a new relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: SC

Complaint narrative:
Equifax is reporting XXXX unauthorized inquiries on my report.I 've disputed the inquries with Equifax several times, and I called them several times to tell them that letters were mailed to them companies requesting they show me proof that I authorize those inquiries, and it 's been over 45 days and I 've heard nothing from them. Equifax told me I should call the company and have them remove the inquiry. None of them have number listed only addresses. Equifax did not investigate the inquires when I disputed them prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: SC

Complaint narrative:
Inquries that was once removed has appeared back on my credit again. Transunion was suppose to remove them. It may be due to there inquiry issue.

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 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been attempting to contact this company ( XXXX XXXX XXXX XXXX XXXX ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX credit report in which they removed all three because they were in fact no validated debts. I have requested that Equifax does the same ; however, Equifax will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either Equifax nor XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: NH

Complaint narrative:
My loans for the past > 2 years have been under FedLoan servicing. They were taken over by XXXX when I started on the XXXX XXXX XXXX XXXX program. 

This spring I re-certified my income so I could continue on with my XXXX program. That is when the difficulties began. Initially they declined my re-certification multiple times due to not having sufficient info to verify my income. This was despite the fact that I submitted my XXXX 's and my IRS tax transcript. This delayed my re-certification past the deadline despite me submitting everything on time. During the multiple phone calls to resolve this issue they mentioned that while I clicked to recertify back into my same plan I also clicked a box on my forms erroneously to try to put me into a lower repayment program. It was a short discussion notifying me that I could be eligible to be put in a similar program that would not effect my PSLF eligibility and I would simply pay less each month. I told them I was fine with this as long as it did not effect anything overall. As I have had other friends do this I did not think much of it. 

Unfortunately my loans initially got put into standard repayment so I was debited {$560.00} for an unclear reason, then {$8000.00} from my account. I needed to call my bank to have this payment stopped. I also have an upcoming payment due for > {$3600.00}. My loans were supposed to be put in forbearance during the switch over as it takes XXXX a few months to determine my new program and monthly payment. Now I have XXXX payment overdue and likely another upcoming as I will not be paying the {$3600.00}. 

Now finally they have given me the info about my new repayment program and I will be paying > {$1900.00} a month. Previously I was paying a little over {$1800.00}. So after all of this I will be paying more, not less. To add to this confusion I was initially quoted approx {$1200.00} for the new program. 

On top of this I just realized that they added over {$43000.00} to my loan balance due to interest capitalization from the switch over of my loans. This was never explained to me and I would never had agreed to a switch if I new this would happen. 

When I spoke to a supervisor from XXXX the only option he gave me was to continue with the new repayment program and they will try to correct the {$8000.00} and {$3600.00} payment owed. They would not be able to correct my loan balance and the {$43000.00} in loan capitalization would remain applied. 

I am not sure if this is fraud or incompetence. I just want to be in the same program I was prior and back at my original loan balance. I am not sure what to do and I am at a lose. 

I would appreciate any assistance you XXXX be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I have been attempting to contact this company ( Smith Rouchon & Associates Inc ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX  credit report in which they removed all three because they were in fact no validated debts. I have requested that XXXX does the same ; however, XXXX will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either XXXX nor Smith Rouchon & Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: WV

Complaint narrative:
Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX 2016 Lien # XXXX Acct # XXXX Amount paid in full 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 2017-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
Coinbase deactivated an account just as bitcoin prices jumped. Seems like more than a coincidence. I could not buy or sell and 4 days later still ca n't buy or sell. Terrible customer support. No way to contact them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: OK

Complaint narrative:
Simple. 
I had a past due account with XXXX XXXX that went to collections in XX/XX/XXXX. 
I paid the collection XX/XX/XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XX/XX/XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.

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 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
XXXX, a medical equipment company, improperly submitted a claim to our insurance company. I contacted the company, after speaking with our health insurance, and asked that the claim be resubmitted. We did not receive a second statement and the debt ( XXXX ) was submitted to AARGON, a collection agency. We have filed a formal grievance through the insurance company but XXXX refused to resubmit the claim using proper medical coding and refused to assist either my husband ( the patient ) or myself with the claim. The first telephone contact with XXXX was made in XX/XX/XXXX after we received the insurance explanation. My husband, myself, and our insurance company all attempted to speak with their company without success. We received a notice of collection dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: WV

Complaint narrative:
Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX, 2016 Lien # XXXX Acct # XXXX Amount paid in full XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: WV

Complaint narrative:
Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX 2016 Lien # XXXX Acct # XXXX Amount paid in full 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 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: AR

Complaint narrative:
- I am in the pr
ocess of relocating, and have been paying my bills on-line. My mortgage with Seterus has always been paid on time, I have no financial difficulties, and on only one occasion has it been paid within the 15-day grace period ( my most recent payment ).
Seterus processes its payments through a XXXX XXXX site via a pop-up that bypasses any need for, or inclusion of, a XXXX XXXX account. Last month 's payment did not process, an Electronic Funds Transfer " bounced '' and, in spite of the fact that both XXXX XXXX and Seterus have my phone email address, and Seterus also has my phone number and current home address, nobody called me to notify me of the issue. Instead, Seterus sent me a form letter via mail that got to me two days before the grace period ended. My attempts to talk to both XXXX XXXX and Seterus were a waste of my time.
On multiple occasions, when trying to access the payment utility on the Seterus web-site, I have gotten caught in a software loop that will not advance me to the payment page. I have also had their web-site crash multiple times when trying to use it.
Today is XX/XX/XXXX, and I made my payment due XX/XX/XXXX last night. I checked my bank account today at XXXX, and the payment has still not processed. Seterus says to allow 24 hours for payments to process. I have 6 USPS days till my payment is due, if the money still has n't been transferred from my bank account by tomorrow XXXX, I will have to mail my payment, and it may not arrive on time.
There is NO email address for Seterus ' customer service on their website.
I got my mortgage with XXXX because their policy was to NOT sell their mortgages ... and my mortgage was sold to this company which acts like they do n't want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Someone hacked my XXXX XXXX  account and made an order on stuff that I will not by and sent me e-mail gloating about it. I did not know ebay had stored my debit card information. After disputing the charges with the credit union and card turned off, pay pay bypassed the deactivated checking and pull using an ACH from my saving account. One of the vendor agreed to a refund, the other one has not responded. Did a refuse delivery and return with the hacker wad putting the order in my name. The tracking shows the vendors got the items back. Strangely the XXXX account I used was closed and I have no access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, 2017, I spoke with Amsher to dispute the XXXX account. I explained to the manager that I did n't owe {$1000.00} to XXXX and that I had never received the itemized bill proving to me valid charges. The supervisor said that she would file the dispute with XXXX and make sure that they send alleged charges to me. She also stated that I would not be reported to the credit bureau. Instead I was reported to all bureaus without a thorough investigation of the charges. I do n't owe XXXX {$1000.00}. Please have them remove this item from my report. 

In that same day you send me a notice telling me you could n't serve XXXX. I advised XXXX the manager that I file a complaint with your office but it could not be served On XXXX. She advised me to give their address. The same day, after being told it would be investigated, they put it on my credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation