vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contact the credit breau XXXX and I told the i was a victim of the inquiry that someone apply for credit in my name I even call the creditor who pull my credit report and they advise me to contact the credit breau the company is XXXX the inquiry date isXX/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 2018-06-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XX/XX/XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.

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 2018-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MO

Complaint narrative:
Made payments to Discover Student loans through electronic payment on XX/XX/2018, directly from my checking account to their account as I have been doing for the past 10 years. The payment of XXXX and XXXX  that have been withdrawn from my banking account are claimed to have not been received. These payments would pay off those loans. I have called their customer service multiple times always to get the same replies of it will take various amount of days to investigate, which every time I call I get a different response of 3 days, 5 days, and now they are telling me up to 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank is able to do lots of things for customers in real time. I can make a cash deposit or withdrawal and my account balance changes instantly. I can transfer funds and the account balances are updated instantly. Oddly, the one thing the bank can not do is to notify customers when accounts are overdrawn. Now why is this? Could it be because fees account for half of PNC 's income? The bank pays items on one day, sees that an account is overdrawn and waits until shortly after XXXX to notify a customer the account is overdrawn. They'll call this overnight processing. Somehow, they can notify me in real time during overnight processing. PNC and other banks used to do to re-order items to pay from largest to smallest, knowing that by doing this instead of paying chronologically, they could assess more fees. Fortunately CFPB took this of this practice and I am describing one more area where I hope you will work on behalf of consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
They raised my monthly payment from {$170.00} per month to {$560.00} at the beginning ofXX/XX/2018. I was told over the phone that I don't qualify for a lower payment plan now. I am currently in forbearance for one year.

I tried to apply for loan forgiveness because I've consistently paid my loan and worked full-time as a XXXX XXXX XXXX  for 12 years now. Federal Student Loan.gov turned me down, saying that I didn't have the right kind of loan ( PSLF ). They told me to apply through Navient. I found the Navient XXXX  loan forgiveness form, but my financial officer at work says that it's not the appropriate form. I can not find an equivalent form for Navient civil servants loan forgiveness.

I've read about the lawsuits against Navient. I had student loans through Sallie Mae before Navient took over. Likewise, I've read that it may not be wise to refinance through XXXX XXXX. I would have to start all over to qualify for the loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.

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 2018-06-14 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: CA

Complaint narrative:
I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California
State: CA

Complaint narrative:
Collection consultants is reporting 3 medical collection accounts on my credit report. I contacted them because they have NEVER contacted me. I asked for evidence that the debt was mine. They refused to give it to me and insisted that I give them my social security number, where I work etc. I finally got out of them that these accounts are very old but they would not tell me how old. I believe that they are over 7 years old and should not even be on my credit per FCRA. I am 100 % positive that they are over the statute of limitations ( CA Civil Code 337 ) yet they threatened to sue me when I would not give them my work info. They are also re-aging the account. They show that the last activity on the account is older than the opening date of the account. Lastly they made absolutely no effort to validate the debt and still won't give me the information necessary to even determine if these are or ever were valid which is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: OH

Complaint narrative:
To whom this concern.

Back on XX/XX/2010 I found a house at XXXX XXXX XXXX XXXX XXXX with a for rent sign in the window. I called the number XXXX  and a guy answered by the name of XXXX XXXX  and advised me he was with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I could obtain the property if I could fix the home to suitable to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX and I paid XXXX  for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of XXXX as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to XXXX XXXX XXXX XXXX aka XXXX XXXX so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is XXXX XXXX XXXX aka XXXX XXXX  they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX  balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the XXXX HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of XXXX, I have no rights to obtain anything. This is fraudulent I have contacted an attorney who told me to move and walk away. But how can me when its reported to my credit report as if I had a mortgage. I been in contact with sortis financial and they will not remove this from my report they just keep giving a explanation its close as transfer to another lender who has not reported and told me to walk away. I keep disputing this with the credit bureau and only XXXX has removed the remark. Equifax and XXXX  will not remove this remark. Please advised

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
There is an account that has been without ongoing validation and verification XXXX XXXX, removed and consistently resold and purchased. Current request for validation by creditor and XXXX, XX/XX/XXXX- resulted in account updated. New letter from another creditor, responding via certifed XX/XX/XXXX Resurgent Capitol Services. Previously removed XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX- due to unable to verify information, wrong addresses, and identity. 
The consistent denial of validation and proof of debt a collection, including the last certified letter of validation to another creditor- Resurgent Capitol Services. 
Sent in XX/XX/XXXX - XXXX XXXX not licensed or permitted to collect. As of XX/XX/XXXX- capital resurgent services- is attempting without validation or proof. 
Request previously for account information, signature, original creditor, discharge dates have continued to change. No proof and no continuity of investigation- where their is my signature or responses to certified mail-exceeds 30 DAYS. 
The last inquire was XX/XX/XXXX- to XXXX via priority- detailing the illegal efforts to collect of an validated debt. Response XX/XX/XXXX- this account has been in question since XX/XX/XXXX. XXXX refuses to report method of validated or methods investigation. 
Yet still reporting to XXXX I have sent certified proof of this fraud and illegal efforts to collect. XXXX denies and refuses to discuss how an invalidated debt that is not licensed in Virginia, continues to be displayed. 
I understand my Fair Debt Collection Practices Act requests and legal obligation to report correctly are being ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
First, I checked the only issue even close to mine. I suggest other ways to describe so as to go forward honestly. So, here, I will just tell you. Yesterday. XX/XX/2018, I clicked within my XXXX card online to see my credit score. It was very low, and surprisingly so. It gave reasons as to why a score can be low, however, none of those suggested apply to me I don't believe. I then went online to get information about Transunion, and found many postings stating that Transunion does not delete old late accounts. In the past, we had issue with medical bills, and did have lates.That was several years ago, and don't know why these should be allowed with newer information. I have now established credit, as opposed to cash as before, do not have any 30 day or other lates as I read I have. I called Transunion, and to verify who I was, the CSR asked for my full social security number I asked him why he didn't ask for the last four, found out he was in XXXX, and was taken aback by both answers. First, I resent greatly that our goverment outsources and steals our jobs away from us, the citizens. Second, I was suspicious to finish my reason for calling because of his not asking for the last four, which when questioned, did change it to four. I had an excellent result from a previous issue wherein XXXX charged not only me,  but many people for a credit " watch '' service I didn't order. Within about a week and a half, I was refunded. Thanks for that CFPB.

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 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS is refusing to help me fix my mortgage, give me an affordable rate and or to even review me and my financial situation for any type of mortgage assistance. i continue to be told that because the type of loan i have i am unable to afford my home. if that was the case then why give me a mortgage? SLS is telling me i can not afford the loan without reviewing my income documentation and financial status. they are not even allowing my information get to the investor and are making decisions without their consent. I lost count how many times i have sent them my financial and modification application for them to review me and they have literally told me they will not offer me a modification as much as they have told me the will not review my documents. i need all the help and support i can get to make them give me assistance.

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 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I recently ran my own credit report yesterday ( XX/XX/18 ) and discovered a debt collections company that has never contacted me has placed a collections account on my XXXX and XXXX reports. First of all, I do not owe this debt. They are accusing me of owing XXXX {$290.00}, but I dont. My XXXX   account is open and paid on time every month. I called the company, Southwest Credit Systems yesterday and they claim to have sent 2 notices to an address I havent lived at in over 6 years. No one lives in that building anymore, it is closed. I imagine they will eventually have their notices returned to them by the post office as undeliverable. I have lived several places since then, and I know XXXX has my current address, as I have my current cable and internet with them right now. Southwest Credit Systems confirms theyve had my correct phone number this whole time, but they havent bothered to use it to attempt to call me. They did not give me an opportunity to dispute this debt before placing it on my credit reports. I opened a dispute about the debt with Southwest Credit Systems directly, as well as with XXXX and XXXX. I called Southwest Credit Systems again today, I spoke with someone named XXXX, to tell them they have to remove the report from my credit reports for 30 days because they never previously notified me of the debt or my right to dispute. They are required to notify me of the account, of my right to dispute, and give me 30 days to do so. They failed to do so, but they refused to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: IL

Complaint narrative:
The Money Source was informed by the XXXX County Assessors Office in XX/XX/XXXX that my taxes were reduced and no taxes were to be collected in XX/XX/XXXX. I called the company in XX/XX/XXXX and requested my overage in my escrow account be refunded and payments be reduced accordingly. The company stated the funds could not be returned until an escrow analysis could be completed which may take an additional three months or more and payments will not be reduced until that time. The Money Source is collecting more funds than required to fund the escrow account and not providing any interest on the amounts in excess of funds needed and have not reduced the monthly payment accordingly. The company is in possession of an overage of funds which should be returned to me promptly and not be able to take my funds and return them when its convenient for them. If the company decides to hold the funds they should pay me interest, since they are over billing me and refusing to refund the overage in a timely manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have tried to dispute this item from my credit file multiple times with no susses. i do not recognize this debt. and would like it removed-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: MI

Complaint narrative:
On XX/XX/2018 I purchased my Credit Report and FICO from XXXX. The report reflected all my accounts current but extensive unauthorized chagres reflecting usage of credit I did not use, as a result of Identity Theft. I notified the supervisor of the Fraud and Security Unity of XXXX  on XX/XX/2018, who advised if I made a police report and sent it by facsimilie to XXXX, they would issue a revised current report and new FiCO and remove all the unouthorized requests for my credit report. I specifically asked my crditors to notify XXXX, they did and there has not been a new report and FICO report reflecting my actual use of my credit and removing the unauthorized requests for my credit.

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 2018-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: FL

Complaint narrative:
Union Home Mortgage offered 3 months with no payment last year after the hurricane. We didn't pay for two months and then restarted payments. In XX/XX/XXXX & XX/XX/XXXX we paid an extra {$160.00} for a total of {$320.00}. In XX/XX/XXXX we received an annual escrow account statement that showed we were due a refund of {$1900.00} for overpayment of escrow but " due to delinquent status ... we will retain your surplus. '' We called Union Home Mortgage numerous times to ask that the surplus they we holding please be applied to to what we owed. We talked to first one person and then another with no answers. One person even suggested this money was put back in our escrow to which I asked why, as it was not needed there. No one can give me any answers, however, they are going to start foreclosure XX/XX/XXXX. This company has offices all over the place and 5 addresses that show up on our statements. It is impossible to ever speak to the proper person. They transfer from one to another and NEVER TO THE RIGHT PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: VA

Complaint narrative:
There is an account that has been without ongoing validation and verification XXXX XXXX, removed and consistently resold and purchased. Current request for validation by creditor and Equifax, XX/XX/XXXX- resulted in account updated. New letter from another creditor, responding via certifed XX/XX/XXXX  XXXX XXXX XXXX. Previously removed XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX- due to unable to verify information, wrong addresses, and identity.

The consistent denial of validation and proof of debt a collection, including the last certified letter of validation to another creditor- XXXX XXXX XXXX.

Sent in XX/XX/XXXX - XXXX XXXX not licensed or permitted to collect. As of XX/XX/XXXX- XXXX XXXX XXXX- is attempting without validation or proof.

Request previously for account information, signature, original creditor, discharge dates have continued to change. No proof and no continuity of investigation- where their is my signature or responses to certified mail-exceeds 30 DAYS. 
The last inquire was XXXX- to Equifax via priority- detailing the illegal efforts to collect of an validated debt. Response XXXX XXXX- this account has been in question since XX/XX/XXXX. Equifax refuses to report method of validated or methods investigation. 
Yet still reporting to Equifax- I have sent certified proof of this fraud and illegal efforts to collect. Equifax denies and refuses to discuss how an invalidated debt that is not licensed in Virginia, continues to be displayed. 
I understand my Fair Debt Collection Practices Act requests and legal obligation to report correctly are being ignored.

Company response to consumer: Closed with explanation