vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 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: IL

Complaint narrative:
I have contacted Equifax via certified mail regarding fraudulent accounts opened as a result of ID theft and requested the accounts to be blocked in accordance with section 605 B of the FCRA. I have not obtained possession of goods, services or money as a result of the following account and Equifax is refusing to block or delete it. 

XXXX XXXX XXXX ACCT # XXXX Amount {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has really cause me a big hard ache, they are reporting previous address and names thats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX tx I was a victim of identity thief i have sent several things over they have removed and keep putting it back on, violating my rights with someone else information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
This issue was addressed several years ago. I recieved communications that bankruptcy indicator was removed from any usbank records. Since i have never filed for bankruptcy in my life. I called today and spoke with XXXX in the refinance department on today approx XXXX. he mentioned account contains a previous bankruptcy. He said he couldnt remove it and transferred me to XXXX, in the bankruptcy dept. She says she could send me to a general complaint area. I She also noted the bankruptcy note appearing on screen, and said it doesnt mean anything, which is not true. I want it Deleted completely. The Bank should be responsible to correct their own errors. I want a Vp or other authorized agent to send me written notification -- -WHEN it is done, not appearing at all.

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 2018-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MA

Complaint narrative:
In XXXX of 2018, the my Direct Stafford loans were transferred to XXXX XXXX   because I submitted an employment certification for the Public Service Loan Forgiveness Program. I was informed that once my loans were transferred, it could take up to ninety days for XXXX XXXX to certify the number of qualifying payments I had made towards Public Service Loan Forgiveness. I did not hear anything within ninety days, and emailed XXXX XXXX in early XXXX asking for an update. After approximately three and a half weeks, I had not received a reply to my email, beyond a notification that it had been received, and so called XXXX XXXX. I was told in my conversation with a representative of XXXX XXXX that certain information required to certify my number of qualifying payments had not been received from my priorservicers. The representative was unable to tell me exactly what information had not been received, whether only some or all of the required information was missing, or provide me with any time frame for when this issue would be resolved. 

I need to understand XXXX XXXX 's position on the number of qualifying payments I have made towards Public Service Loan Forgiveness as soon as possible, so that I can address any problems XXXX identifies or any mistakes that XXXX makes in its calculations. XXXX XXXX is the Department of Education 's worst performing loan servicer, see https : //studentaid.ed.gov/XXXX # XXXX. It has not proven in the past that it is capable of effectively administering the Public Service Loan Forgiveness program. Experiences like mine -- where XXXX can not in a timely fashion provide basic information about the number of qualifying payments I have made, and therefore my eligibility for the program it is in charge of administering -- only serve to further undermine confidence in its abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX I entered into a payoff agreement through XXXX XXXX XXXX to pay off my debt to USAA. Part of the agreement was to change the due date to the XXXX. USAA has not done this and is charging me late fees. They are also taking the payments from XXXX and applying them to my past due amount.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a Bank of America Car Loan for a XXXX XXXX. The car was totaled as a result of flooding by my Insurance company ( XXXX ). XXXX paid the amount they valued my car replacement at which was around XXXX dollars less than what the loan amount was with Bank of America. I was never advised by Bank of America that I needed to pay the differential immediately or my account/debt would be written off and sent to collections. Bank of America continued billing me for my monthly car payments which I continued to pay on time. My impression was that I would do so until the loan was paid off. I had a perfect payment record with them. 

This weekend as I reviewed my accounts with bank of America Online and also to make a payment I noticed my account was no longer available and showing on the online portal. On Monday I received a notification from XXXX indicating that there had been a change to my credit report. I checked it and it was as a result of Bank of America charging off my account in the amount of XXXX dollars and sent to collections. My credit was damaged as a result, I called bank of America and after being able to get a hold of the correct department, I was treated in the most condescending manner, pretty much as a criminal that does not pay his debts and was told that they needed to collect on the loan. When I explained to them the situation and asked them why I was not made aware of this action prior to it being taken as i would have gladly paid off the remaining balance I was told that a letter was sent three months prior. I never received such a letter. The collections personal at Bank of America have refused to help me or tell me I have to speak to a supervisor. I have left my number but no one will call me. Bottom line I have been told that even if I pay the amount owed my credit report will remain damaged. I find this unilateral decision made by them with no prior notice troubling as they will not negotiate and will not accept any wrongdoing. I am more than willing to pay the amount owed ... as stated before I was paying them monthly since they were billing me ... .however, I think its fair that they reverse those entries into my credit report.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received my annual credit report online from Experian. I was able to look at it on Wed. XXXX XXXX, 2018. I tried to view it again later on Wed. XX/XX/XXXX and again on Thursday, XXXX XXXX. I was unable to find a way to put in my report number to view it again. Eventually through their help I was able to find a link to view the report but the link would not work and gave me a message that said : we are updating our server and this information is not available. I have tried this for 2 days. They also gave a phone number to call : XXXX XXXX but when I call I can not reach anyone to speak with and the prompts do not answer my question. 

I tried the phone number given to me by your consumer finance rep : XXXX XXXX and had the same issue. 

Experian must have a phone number for customer questions but apparently they don't want to answer any. 

I also tried 2 other numbers I found on the internet - they did not work either. 

The only way I can see to receive my report is to become a member and that costs XXXX a month-something I do not want to do. 

Even an email address would be helpful. 

I believe Experian needs to be made to provide some live contact for its customers.

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 2018-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I requested, in writing, with all 3 credit reporting companies and directly with portfolio recovery concerning a debt listed on my credit reports. I asked on two separate occasions for the debt to be validated and verified. All I have been sent is statements..no signatures, nothing from the original creditor giving the collector permission to collect, no documents showing any attempt to actually validate this debt is correct. 

In addition the 3 credit reporting agencies have not sent me, per my request, information as to HOW they verified the debts. 

XXXX is the most eggregious of the violators. They have stated that they " verified '' the account, yet they list the original creditor as Portofolio Recovery Associates rather than XXXX XXXX as the documents suggest. There clearly has been no effort on the part of the CRA 's to actually protect my rights and verify that all the information is 100 % accurate and being reported correctly. 

I have attached the documents they sent me, as well as my requests that I made and the specific things I asked for and the case law supporting my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: LA

Complaint narrative:
My mortgage was sold from XXXX XXXX to Selene Finance and my automatic payments began coming back to me, in the form of a check payable to Selene Finance. These payments were paid biweekly and included more than the amount due. Never was I contacted via phone or email. Only the returned checks, which took weeks were my evidence that there was an issue. After 3 checks, {$2100.00} that was deducted from my account from a 3rd party Bill Pay system, I still owe the {$1400.00} mortgage payment. Trying to get in touch with Selene is harder than crossing the Southern border of the US. No less than 4 hours have been spent on hold or speaking with a representative with no solution. Late fees and extra interest plus a huge hit on our credit scores are a result of this companies terrible negligence in customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/2018 I was given a refund from an XXXX  seller in the amount of {$49.00}! I have told PayPal I have not gotten the money. PayPal has ignored my request to be called or emailed to find out where that money has gone. 

This is the second incident where PayPal was been given money on my behalf and has not put it into my account, both times the money was coming from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
On XX/XX/2018 a 3rd party account called transworld was reported on my credit profile to the credit bearues. However the original account related to this contract has had been cancelled, and I am not liable for any and all 3rd party charges regarding this account.The account is unverifiable and I have not received the proper documentation that holds me accountable.The orginal creditor has already been paid for their losses through insurance and taxation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Robert A. Schuerger Co., LPA
State: FL

Complaint narrative:
On XX/XX/2018, I was contacted via phone from a representative claiming he was from the Law Offices of Robert A. Schueger Co., LPA, stating he was representing the Ohio Attorney General and they were hired by XXXX XXXX University regarding a Student Loan Debt. He went to state they were preparing a lawsuit against me and were going to do a search for assets. 

I explained that XXXX XXXX had already been receiving money and I had several Debt Collection Agencies contacting me trying to collect on the same debt. I also explained there were no longer any assets to seize and I asked for a Letter of Representation for my records. 

A week or so later, I received a letter from the Law Offices of Robert A. Schuerger Co. , LPA stating they were appointed by the Ohio Attorney General that demanded an amount of {$4500.00} on behalf of XXXX XXXX University. A few days later I also received another letter from yet another Debt Collection Agency demanding {$12.00}, XXXX also on behalf of XXXX XXXX and the fraudulent US. Department of Education. A separate complaint against them will also be filed. 

On XX/XX/2018, I called the Law Offices of Robert A. Schueger and spoke with a secretary named, XXXX. I explained the reason for my call was to ask for proof of the debt since I had also had money taken from other agencies on behalf of XXXX XXXX and I was continuously getting letters and threats from several agencies. 

XXXX became defensive and started arguing that I could look up their law office on XXXX so I stopped her by stating it was my right by law for them to send proof of the debt and that was all that was required from her. XXXX responded by threatening litigation and then disconnecting the phone call. Reactions and threat tactics such as those are usually indicative of fraudulent and abusive debt collection practices. 

I called back and spoke with a Mr. XXXX, who politely asked if I would like to speak with a Supervisor after advising me they had several people there named XXXX. I agreed and was then transferred to a voice mail for a XXXX or XXXX XXXX. I did leave my name, contact information and reason for the call, in addition to feedback for XXXX 's unprofessional and threatening communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: TN

Complaint narrative:
2 accounts on my credit are more than 10 years old ... .i have filed 3 disputes with equifax and they have done nothing ... .disputes were wrapped up quickly leading me to believe that they didnt even contact the credit union ... timeline is way to short for them to have investigated this ... ... accounts ( charge offs ) shouldnt be on credit after 7 years and at the most 10 years ... both of these accounts are 10 years old and i have requested 3 times that they be removed ... ... .both to XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XXXX I had XXXX and had to have a full XXXX. I was not able to work so I enrolled in college. In XXXX I took out a loan for {$1500.00} to cover the expense of college. After about six months I was not able to continue with my classes due to complications from the XXXX, so I dis-enrolled. I picked up small, odd jobs to try to pay the loan back. My physical complications progressed and got worse so I was not able to hold a job for many years. I have paid a significant amount of money on the loan throughout the years. They have transferred my loan to multiple companies many times, and each transfer I am expected to pay an absurd transfer fee. I am now a low income, XXXX year old on Social Security. Once I pay my bills I do not have enough money to provide for the special diet my doctor requires me to be on. Even after 36 years, and years of wage garnishment, I am expected to pay back {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
The problem : In XX/XX/2018, we returned a car that we had leased. The leasing company is billing us for the property tax on the car for the entire 2018 year. When asked why not just bill us for the 4 months i.e., XXXX, and not for the whole year, the response was that the state had billed the company for the full year ( probably in XX/XX/2018 ) and so this was the company policy. The leasing company states that they have applied to the State for a refund ( after we questioned the bill ) but that we have to pay in any case and they will send us the credit when it arrives. The Leasing Company : XXXX XXXX XXXX The State : Virginia The amount : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: NY

Complaint narrative:
I don't have any contract with the account mentioned below ; Company : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX, NC 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 2018-11-08 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: WI

Complaint narrative:
On XX/XX/2018 Lexis Nexis recieved my 1st of 3 certified dispute letters for bankruptcies that they have reporting under my Social Security number. I received a letter from them on XX/XX/2018 stating that the bankruptcies in question were verified and were reporting correctly on my LexisNexis report. 

In response to their letter I sent the 2nd of the 3 certified dispute letters on XX/XX/2018 asking if they could please send me a copy of the document bearing my signature as well as the as the name, address, and telephone number of each person that was contacted to verify the alleged bankruptcies. They received my 2nd certified  letter on XX/XX/2018. 

In response I received a letter from them on XX/XX/2018 again stating that everything was reporting correctly, but they failed to provide me with the documents that I asked for bearing my signature as well as the names, addresses, and telephone number of each person that verified the bankruptcy. 

On XX/XX/2018, I sent the 3rd certified letter to them ( LexisNexis ) demanding again that they send me a copy of the document bearing my signature as well as the each person used to verify the bankruptcies they are reporting. I even sent them a letter from the bankruptcy court that says they do NOT report any information to any credit agency. 

I received their response on XX/XX/2018, again stating they have verified the alleged accounts. I have repeatedly asked for their method of verification and they are refusing to give me this information except to say that they are using XXXX, which does not allow for 100 % verification because according to the Court Clerk I spoke with, statements of social security are redacted from not only my view but the public 's view.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I got a mortgage loan with Chase Bank. Although Chase Bank continues to service my loan, my loan was sold to XXXX XXXX. The customer should be notified when a loan is sold. A loan ownership transfer notice should be sent to the customer. I never received any notification from Chase Bank or XXXX XXXX. The Attorney Generals Office stated that I should have received notification. Chase Banks response was they are not required to provide notification for a change or an assignment of a loan investor. There is a law about this and Chase Bank and XXXX XXXX either do not follow that law or are unaware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Trans union refuses to delete Credit inquiry from XXXX bank.

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