vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX of 2019, I began to review my annual credit report. At this time, I began to notice several inaccuracies with my student loans services through XXXX. From that time, there has been over 27 changes regarding the balance as well as the payment history. At this time, I am unclear of if ANY of the information from XXXX is or has ever been reported and calculated correctly. This has made a very negative impact to my credit score and my ability to obtain credit from potential lenders. I do not trust that any the information has been reported correctly, or, that my balance to date including the calculation of interest is correct. 

I am requesting a formal investigation take place on my account. I want to have all statements and ledgers provided to me showing each payment that has been made from the inception of all loans. I also request that I be provided with the method is which the interest is being compounded and applied towards my account from inception, and a ledger indicating this in writing.

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 2019-05-28 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: MI

Complaint narrative:
InXXXXofXXXX,Ibegantoreviewmyannualcreditreport.Atthistime,IbegantonoticeseveralinaccuracieswithmystudentloansservicesthroughXXXX.Fromthattime,therehasbeenover27changesregardingthebalanceaswellasthepaymenthistory.Atthistime,IamunclearofifANYoftheinformationfromXXXXisorhaseverbeenreportedandcalculatedcorrectly.Thishasmadeaverynegativeimpacttomycreditscoreandmyabilitytoobtaincreditfrompotentiallenders.Idonottrustthatanytheinformationhasbeenreportedcorrectly,or,thatmybalancetodateincludingthecalculationofinterestiscorrect.

Iamrequestingaformalinvestigationtakeplaceonmyaccount.Iwanttohaveallstatementsandledgersprovidedtomeshowingeachpaymentthathasbeenmadefromtheinceptionofallloans.IalsorequestthatIbeprovidedwiththemethodiswhichtheinterestisbeingcompoundedandappliedtowardsmyaccountfrominception,andaledgerindicatingthisinwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX of 2019, I began to review my annual credit report. At this time, I began to notice several inaccuracies with my student loans services through XXXX. From that time, there has been over 27 changes regarding the balance as well as the payment history. At this time, I am unclear of if ANY of the information from XXXX is or has ever been reported and calculated correctly. This has made a very negative impact to my credit score and my ability to obtain credit from potential lenders. I do not trust that any the information has been reported correctly, or, that my balance to date including the calculation of interest is correct. 

I am requesting a formal investigation take place on my account. I want to have all statements and ledgers provided to me showing each payment that has been made from the inception of all loans. I also request that I be provided with the method is which the interest is being compounded and applied towards my account from inception, and a ledger indicating this in writing.

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 2019-05-28 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: CA

Complaint narrative:
I have been disputing an account that does not belong to me since XX/XX/2019, and all the other credit reporting agencies removed the account except Euqifax. I even contacted the creditor who is reporting the account directly. Yet and still this account remain on my Equifax credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: NJ

Complaint narrative:
I see that you recently shut down XXXX XXXX for the exact same things my mortgage servicer, CMG Mortgage, is doing to me. I have been given the run around by them and there is a scheduled sale date on my property for XX/XX/XXXX. I have never had a review for mortgage assistance go through a full review, even though I sent them all the documents they wanted. I went through some difficult times, but now have more than sufficient income to afford my payment. CMG Mortgage wants the full reinstatement amount or they will take my home away. I feel that they should have done something to help me rather than just sell my home and sweep the matter under the rug. I am certain that my loan qualifies for one of the modification programs available to homeowners. I have been in my home for 13 years and received a terrible loan that caused me to struggle financially from the start. Due to significant health issues and, in large part, to the high mortgage payment, my finances were on rocky ground since loan origination. Then I suffered a further setback emotionally and financially when my brother and mother died. They were helping me with the mortgage payments and this further exacerbated my financial situation. I refinanced the loan in XX/XX/XXXX, but then suffered an XXXX   and fell behind on my mortgage payments. I reached out to the CMG representatives and they advised me that they would help me with my delinquent mortgage. I began the loss mitigation process with and sent in all the documents they requested. However, they never completed a review even though I had all the requested documents and I am not sure why my loan was not approved for a modification. I am not sure where I am in the process, except that I have a sale date scheduled on my home.

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 2019-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I contacted the student loan servicer, Navient, several times over the phone in good faith to fully understand my income-driven repayment plan ( REPAYE ) and associated loan forgiveness. I spoke to at least three ( 3 ) different representatives, and each had varying answers to my questions, including basic information like start and end dates of my repayment plan. Finally, fed up with the ever changing information supplied by Navient, I asked them to email me answers to my questions. However, they declined to put anything of substance in writing. I am formally filing this complaint to make you aware that Navient is intentionally refusing to supply important and necessary information about my student loan, including forgiveness terms. I have nothing in writing to assure me that my loan will be forgiven at the end of the income-driven repayment term. I don't even have a straight answer on when the term started and when it is supposed to end. Navient is making it absolutely impossible for hard working individuals like myself to plan a healthy financial future. They are setting people up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: CA

Complaint narrative:
I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX , XXXX XXXX  ,, XXXX XXXX  , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX , XXXX  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 explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have tried multiple times to use my XXXX XXXX credit card to purchase items and the company says they are having trouble with the IT department. This has been going on for over two weeks and Im still being charged for interest on a card I can not use. I can not make purchases over the phone or online. Ive made multiple attmepts to call them and they have not offered any solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: CA

Complaint narrative:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system..CHAPTER XXXX BANKRUPTCY 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 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: VT

Complaint narrative:
Unsolicited VISA credit cards in my name and in a name I do not recognize for the same account number. Received XX/XX/2019. 

Received from US Bank National Association, XXXX. XXXX, XXXX, ND XXXX. 

A letter describing the above has been written and is being mailed to US Bank Association today, XX/XX/2019, along with a request to close the unsolicited account and provide written proof that it will not notify a credit reporting agency as to closing this 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 non-monetary relief
Consumer complaint received 2019-05-28 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Received collection notice from Progressive Management System in XXXX of 2019. Contacted agency immediately to inform them I had applied and been approved for financial assistance from XXXX XXXX Hospital for whom they were collecting. Told them the amount my bill should only be 50 % of what they were showing due. The representative I spoke with told me " O.K., we will look into this and if we need anything else will be in touch with you. '' Shortly thereafter I received a bill directly from XXXX XXXX XXXX for office co-pays which I knew I had paid at the time of service. The gentleman from the hospital billing dept. explained to me that since I had a past due balance they had been applying my payments to the oldest balances I had open which I assumed included the past due balance with the collection agency. I paid the hospital bill at that time and thought that was the end of it. Recently while paying bills through my bill pay I decided to check my free credit score since I had recently open a new credit card. I have not had a negative mark on my credit report for over 10 years. My report will also show that I have made my payments when due 100 % of the time. I take great pride in making sure my credit rating is not damaged by late payments or failure to pay. When I checked my score I noticed it had dropped almost 50 points. I discovered that PMS had reported the original debt, at the original amount to my credit report. Had I been informed that PMS had failed to investigate I would have gladly paid the full amount just to keep it from not reporting. I disputed the amount of this debt when I received the collection agencies notice and expected them to investigate or at least direct me to supply them with written proof. According to the Brady Decision collection agencies are, at the very least, required to report a disputed debt as so. PMS did not. I do have documents stating that I was and am still approved for financial assistance with XXXX XXXX Hospital. 
The reason I had applied for assistance was because I was off work due to a XXXX. 
I have also included that paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: CA

Complaint narrative:
AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.XXXXXXXXXXXXXXXX(ORIGINALCREDITOR:XXXXXXXXXXXX)

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 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA,  FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: CA

Complaint narrative:
I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2019-05-28 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: TX

Complaint narrative:
Equifax refuses to remove my consumer statement per my repeated requests. Despite numerous phone calls to Equifax over the last several months, and a certified letter, this consumer statement ( placed in XX/XX/2019 ) still remains on my report. Equifax representatives claim my consumer statement has been removed, yet every single day I login to my account and my consumer statement is still there. 

Each and every one of the Equifax representatives Ive spoken to on the phone are extremely difficult to understand as they speak English very poorly. I do not yet speak XXXX well enough to discuss my issues in their native language, so unfortunately we must communicate in English, in which understandably they are not proficient. I have tried to get around the immense language barrier by sending my request in writing via certified letter, but this also continues to be ignored by them. Equifax is an abomination of an organization. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 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: IL

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-05-28 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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection

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