vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Someone rented 3 apartments using my identity. Procollect, inc. requested I gather the information they needed to delete the account. At first I was told I needed to file a police report. After I sent them the documentation with the report number, they reached out and told me that I had to send a copy of the report. I got all that finally and mailed it to the address they told me. Then they told me after they had received the documentation that it had to be sent in electronically and they refused to process it. Finally, I got them to process it and after 3 months of the account being processed I reached out to them and was told that it had to be reviewed by the original debtor and they were waiting. So I called the debtor and they had not received anything. After over a week of trying to get a supervisor to speak with me I finally talked with him and he told me it would be placed in " Managerial Review '' and it would remain open but not reported to the credit bureaus. He lied. It is STILL on my credit report and being actively reported. So I called them again after it reported and they said that I did not provide them with enough information, even though I provided them with everything they requested. This is an unprofessional company and will not remove an account even if they KNOW it was opened fraudulently.

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 2019-05-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion is in violation of the Fair Credit Reporting Act by incorrectly reporting the XXXX XXXX partial account number XXXX - in the amount of {$4300.00} for two reasons. First this account is over 7 years old from the date of last activity, and Second - this account should have been XXXX out when it was transferred. ( Please see pages 3 and 4 of the attached credit report. ) This incorrect reporting is harming my credit score and this account needs to be either removed from my credit report, or corrected to reflect a {$0.00} balance.

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 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOP FLITE FINANCIAL INC
State: GA

Complaint narrative:
Filled out XXXX XXXX form for mortgage referrals. Received dozens of calls and emails but narrowed it down to 2 cos and placed an opt out with XXXX XXXX on the XXXX to stop the flood of calls. The calls, texts and emails kept coming on the XXXX. One company that was very aggressive was Top Flite and this was not a company I had narrowed my selection too. I decided to speak to XXXX XXXX from XXXX ga from that company later that day to tell him to stop calling, texting and emailing me. I had not shared my social ssn or agreed for a credit pull from anyone, but my XXXX credit monitoring notified me that mortgage company had pulled my credit!!. I tracked it back to XXXX XXXX Top Flite, called him and told him I did not give him acknowledgement to pull credit!. He said he had spoken with his underwriter XXXX XXXX and told him the credit should not have been pulled because They did not have direct acknowledgement from me and that he was sorry.He then sent me the below text : Thanks for speaking with me XXXX. I contacted our credit agent and they will accept a letter from us on our letterhead with your info and how your credit was pulled without your authorization. His number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: GA

Complaint narrative:
For the past two weeks I have tried to get them to postpone payments as I have no money. I am a XXXX ill shut in and havent worked since 2009. I can not verbally communicate so I emailed them off their secure website 4 times and they have not replied once. Now my payment is late. I need help. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion is reporting a collection that is over 7 years from the date of last payment. I am not disputing the validity of this item and I plan to pay this back, but I will not make a payment until it is removed from my credit report because I do not want the clock reset on the date of last payment. ( Please see page 11 of the attached credit report. ) This is in reference to the XXXX XXXX  partial account number XXXX in the amount of {$11000.00}. This incorrect reporting is harming my credit score and this item needs to be removed from 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 2019-05-30 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XXXX  and XXXX  show 2 closed charge off accounts on my credit report. XXXX shows an open, re-aged account as of XX/XX/2019. I do not have ANY open accounts with Wells Fargo. They are reporting incorrect and missing information. They have also listed the accounts as a profit loss and have wrote it off as bad debt but are still claiming a balance of these accounts. I disputed the information with XXXX, XXXX and XXXX on XX/XX/2019. Subscriber reports dispute resolved - consumer disagrees was the result with the Bureau 's and Wells Fargo not providing any proof of validation. The investigation was completed. The negative sill appears on my credit report. 
Their improper procedures are highly damaging to my credit score. Please immediately delete these accounts.

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 2019-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/XXXX, I spoke to XXXX ( Customer Service Rep - AES ) in regards to my student loans that were sold to AES in XXXX. According to AES, the promissory note provided from XXXX Bank ( original loan servicer ) does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate of 7.2 % instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from AES and have not received the information. I was instructed to contact XXXX, which is my current loan servicer, as AES sold my student loans to XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: OR

Complaint narrative:
This account is being reported incorrectly as failed to pay when this account has been paid off in full. Per my agreement with the collection agency. The account should be deleted as such and should not be reporting inaccurately

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 2019-05-30 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: Innovis
State: NV

Complaint narrative:
this should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My home equity loan became behind ( 3 months, I believe ). When I learned of this, I made arrangements in XX/XX/2019 to pay a portion ( {$600.00} ) over the phone with the remaining the following week ( with a scheduled phone payment for the balance ). I have 3 accounts with my PNC bank, a checking and 2 savings. I had received a sum of money and in XXXX had over {$3500.00} in my checking account and less than {$200.00} in each of my savings accounts. When I made the phone payment for each transaction the portion of {$600.00} and the balance thereafter, my assumption is that the representative would have set this up to come out of my checking account since that account would have supported those amounts ; however, instead the representative set this up to pull from my savings account which had less than {$200.00} at the time. I was not asked for an account number to provide and assumed the account with the money supporting such transactions would have been used ... since again, I was not asked. As a result, of thinking the funds had cleared my account, I paid other bills and spent my money as usual. When I received a notice saying the funds were returned, I was perplexed ; however, discovered why when reviewing my accounts. I called PNC to make them aware of their mistake and asked about recourse for the mistake. I was advised a message would be forwarded and I would receive a response. Unfortunately, at that time, I no longer had the funds available to pay and bring my account current ... and unfortunately had some unexpected expenses. I am requesting to have my credit corrected as if this error did not occur and for any credit reporting thereafter to solely attribute to my inability to pay. 

I am attempting to acquire a loan with XXXX XXXX XXXX and am being told that because of this account showing 120 day late, I am unable to move forward ... otherwise I would be able to. 

If you are able and the calls were recorded, you will find that my statement/complaint is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: NC

Complaint narrative:
On XXXX I borrowed XXXX. I was set up to pay the minimum amount each week of XXXX starting XX/XX/XXXX. So far I have had 4 payments of XXXX come out, one payment of XXXX and another of XXXX cent. So far I have paid XXXX. I called to see what my outstanding balance was and was told I still owe 500+ dollars. I dont have the energy to try and explain how illegal this is. Where is my paperwork explaining these charges. Then to say that mere cents are being computed toward the principal is beyond me. I called like 3 weeks ago and the guy told me that only XXXX cent was going to go toward the principal and I complained about it and he said he would do two payment to try and and trick the system so that way the whole XXXX would go toward the principal this time and not the interest. This is just absurd and XXXX. I live in NC where loans are illegal. I am getting an attorney to fight this because you cant come over here trying to put something on my credit for not letting you rob me blind. I dont care if I chose the payment plan that worked best for me. You dont get to punish me by charging me 1000+ in interest because I'm broke. But claiming yall not part of US. Okay but you taking these US funds. I called back today and spoke with XXXX who obviously just hit the lottery and has never had financial hardships ever in life and I just dont appreciate how yall try to make it seem like I am getting something for nothing. I am paying back every single cent and I pay it ontime minus this month. But now you want get a attitude and attempt to talk over me once I have an issue about yall charging an XXXX amount of interest and If my payment is XXXX dollars and I pay ontime then XXXX should go to my principal and the rest to interest. 

I submitted a XXXX complaint as well on XX/XX/XXXX which the company has not yet responded to because they want me to call just to argue with me over the phone and I am not about to get my XXXX XXXX up over somebody trying tell me they have a right to continue to rob me. Today XXXX and some change came out of my account and I have already paid XXXX since receiving the loan, so as of today you wont be going back in my account and I dont care about yall not responding to these complaints and thinking you gone still go in my account. I want to see paperwork of how this interest is computed. It should make sense. and I want something detailing how yall come up with out of XXXX dollars how only a few cents or XXXX dollars went toward principal and everything else toward interest. I am requesting that and as someone who is being forced to pay this and as someone with a extremely vague contract I should be able to receive it if being forced to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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 — Problem with personal statement of dispute
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
NCC Business services has been reporting incorrect information to the credit bureaus subsequently negatively affecting my credit score. Ive disputed this alleged debt because the amount is incorrect and by a large amount. After countless disputes and making no progress I decided to send Ncc Business Services a letter requesting validation of the debt. What I received does not validate, provide proof or even could be considered an attempt to produce adequate supporting documentation. Theres nothing in the documents that explain and or address the different line items that I allegedly owe. This derogatory will not go away and I don't understand how they can report erroneous information to XXXX and XXXX without going in front of a judge and obtaining a judgement. Im going to be moving soon and I fear that this collection account may become a major obstacle when it comes time for me apply for leases and or mortgages. At the least I would think it's fair to say that they may be guilty of fraud and defamation of character and pursuing litigation will be my next step if that indeed is my only option. In the interim I think they need to stop reporting this information until they can provide proof. Thanks for your time and I hope this at the very least might help someone avoid this company altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX i ran my credit report to see what was on it. I noticed a few things that didn't look accurate so i sent the credit bureaus a letter requesting them to verify the info on my credit report and to remove the following accts if they couldn't. I am not saying that these accounts aren't mine, but they are NOT reporting accurately. I do not have ANY idea who the 4 collections are to say they are or are not mine, but there is NO creditor info or collection agency info for me to see and they refuse to update it so that i can tell. 

-4 collection accounts with NO creditor or collection agency name ( equifax report only ) I  got no reply with them except for the fact that they verified the information. There was no proof of verification on the accuracy of the accounts in question. On XX/XX/XXXX i sent another letter to them asking for the proof of the above mentioned accounts. I received the exact same updates. I sent another letter on XX/XX/XXXX demanding they remove since the account is still displaying incorrectly and they were unable to provide me the documents stating that it was correct. to date, there has been nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2018 we contacted Chase requested the balance to a company credit card so we can pay off the credit card, they provided payoff amount and we paid the full amount and account was closed. Chase one months later charged interest to the account, we have no knowledge of the interest charge an employee of the chase should be made us aware. this interest became late and we received no notification of being charged or being late, so this charge became 60 days late which is negative affects my credit report. Chase should have notified us of additional interest and should have notified of new invoicing and late, they claim they sent it via email, we did not receive any email, I requested chase to provide proof and they could not provide. Before negatively affecting credit report they should have mailed us a letter a phone call. when they solicit us for a new card they can reach us 50 different ways but they cant notify prior to affecting my credit. The other issue this card and charges belong to my employer, not me, I have disputed this issue with them on XXXXhree occasions twice though XXXX and once direct with them and their response has not helped at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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: CA

Complaint narrative:
Good Morning- I submitted a request to FedLoan Servicing  on XX/XX/XXXX to qualifying my employer, The Department of Interior Bureau of Land Management , for Public Service Loan Forgiveness . They denied my employer, even though they are a qualifying employer because my loan was consolidated after the time I worked there and my payments during that time do not count toward loan forgiveness. Regardless of whether or not my payments qualified, I would like my employer verified. I have attached the letter of denial from FedLoan Servicing and an email chain showing how I tried to resolve the situation with FedLoan Servicing. 

Again regardless of whether or not my payments were qualifying, my employer should be verified. FedLoan Servicing did agreed that my employer qualifies as a government organization. I was employed from XX/XX/XXXX through XX/XX/XXXX. 

Additionally, the payments I made during this time period, XX/XX/XXXX through XX/XX/XXXX, do qualify for the PSLF program. I was paying through a 10-year Standard loan program. Everything I have reviewed for PSLF states that these payments should qualify for the PSLF program. 

Please help me resolve these issues with FedLoan Servicing. 

1 ) I worked for a qualifying employer from XX/XX/XXXX through XX/XX/XXXX, the Department of Interior Bureau of Land Management. 

2 ) I made qualifying payments from XX/XX/XXXX through XX/XX/XXXX, in a 10-year Standard loan program. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Duncan Solutions, lnc.
State: OH

Complaint narrative:
I get a call from this number 3-4 times a week during the day. Automated message, no options to speak to an operator and get me off the list. They give a website and number to call but I'm not comfortable doing that. They say they are a debt collector. I have no debt to collect. I've never had anything in debt collection. I've never gotten written notification from anyone regarding debt collection. My number is registered in the national Do Not Call registry. This is purely spam and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have contacted Navient several times, since XX/XX/XXXX in regards to my student loan interest rate, which is consistently increasing. I contacted Navient again on XX/XX/XXXX to obtain loan information, but was not provided any additional information. 

My original interest rate with XXXX XXXX ( loan originating servicer ) was 4.5-5.0 %. According to Navient, the promissory note received from XXXX ( second loan servicer ) does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate ( currently 7.2 % ) instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from Navient and have not received the information.However, the company did send me a copy of my original loan application, which also does not detail interest rate or loan terms. 

XXXX sold my student loans to Navient in XXXX and according to XXXX, they provided all available loan documentation to Navient.

Company response to consumer: Closed with explanation