vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
1 - Since XX/XX/XXXX I submitted and updated PSLF/TEPSL Form to update my " eligible Qualifying '' payments and Fedloan has repeatedly refused to update my total payments. On the submitted form, Question 8 asked is your employer a government organization and I answered " Yes '' and the form states if " Yes '', skip questions XXXX, If " No '' complete XXXX. My employer has certified the form and I have re-submitted four times since XX/XX/XXXX and my information has not been updated. 
2- Also, 6 payments made, I have been told are not " qualifying payments '' and don't understand why. 
3 - Fedloan has refused to give me appropriate access to select which loan I want to make payment on. I have two loans and on the smaller loan, I am now making principal payments only. When I go to the website, it doesn't allow me to select the loan I want to pay on and I have repeatedly asked for this access so every month, I have to haggle with them to re-apply the payment made to the appropriate account. 
4. My XXXX, XXXX payment made was not included in my total " qualifying payments '', I am just getting the run around on this. 
4- Lastly, the customer service provided is terrible. I am getting confusing instructions on what to do regarding all of the above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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: FL

Complaint narrative:
On XX/XX/XXXX. XXXX XXXX inquired pulled it about my credit and pulled it without my consent and broke the law according Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 


I have not initiated any transaction with Premium CREDFurther, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or 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 explanation
Consumer complaint received 2021-02-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
For the past month, I have been trying to get a total of 18 hard inquiries removed from my credit report that i did not authorized. The inquiries and unauthorized dates are listed below : An toy scion mall of ga # XXXX ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( Tuesday, XX/XX/XXXX ), XXXX XXXX ( Friday XX/XX/XXXX XXXX ), XXXX XXXX ( Sunday, XX/XX/XXXX ) XXXX XXXX-indirect ( Monday, XXXX XXXX ) XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Monday, XXXX XXXX ) XXXX XXXX ( Monday, XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX XXXX XXXX ( Friday, XXXX XXXX ), XXXX-Auto Finance ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( wednesday, XXXX XXXX ), XXXX XXXX ( wednesday, XXXX XXXX ) XXXX  XXXX ( wednesday, XXXX XXXX ) XXXX XXXX XXXX XXXX ( monday, XX/XX/XXXX ). I sent dispute letters to Equifax to verify these inquiries and the information comes back verified. I called and they prompted me to call Each creditor to retrieve a '' Letter of Deletion ''. When i called the creditor to request a letter of deletion, Each creditor informed me that there is no record of a '' XXXX XXXX '' in their system. So, I sent Equifax another letter to verify their method of verification and requested specific details to ensure verification and Equifax failed to do so ; these inquiries again came back as verified. I called the bureaus again to seek further assistance in these inquiry deletions and no one seems to help resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and feel devalued as a consumer and customer of Equifax. At the time of these inquiries, I was and still is in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020. US SM BUS ADMIN ODA, pulled my credit without my consent and Experian put it on my report. This is considered fraud, unlawful, and identify theft.

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 2021-02-19 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: TX

Complaint narrative:
Equifax appears to be quick to add negative information to consumer credit reports and are EXTREMELY slow to update balances. It seems to take them 2-3 months to update balances paid down! Furthermore, they dont seem to care that their information is 2-3 months old!! This adversely affects consumers! When I dispute online, I am only allowed to dispute an inaccurate balance ONCE! But due to them being slow, the balances are always inaccurate. When I call them they are HARD TO REACH, as if they dont want consumers to find their phone number or talk to them. Once you reach them they typically want a credit report number or full social security number. The problem with that is they push updating things online, but dont list credit report numbers on their applications or websites, forcing consumers to give some stranger our full ss # s. After speaking with them, rarely will they update or EVEN VERIFY with the financial institutions reporting the information! So all of this screams of a desire to keep credit scores low!!!!!! I need help. I pay things off to have good credit, but they seem intent on blocking everyone from having good credit by refusing to update balances in a timely manner, then pointing fingers!!!!! Im tired of their excuses & sending me in circles!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: PA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
XX/XX/2020 AmeriSave contacted me offering refinancing on my primary residence. I explained in detail to the loan officer, XXXX XXXX, my financial situation. She assured me the refinance would be approved with my current finances. She offered a specific loan product with cash out. Repeatly I asked if she was certain the loan would be approved & she continually assured me it would be approved & no appraisal was needed. I provided all requested documentation with in 48 hours and paid the upfront {$500.00} for the application fee. After stringing me along for 2+months AmeriSave finally offered me a totally different loan product & an appraisal was now ordered which I was responsible to pay. AmeriSave tried to pull a bait & switch on the product they initially offered me with outrageous costs. I complained to Ms. XXXX, refused to pay for appraisal & requested my {$500.00} application fee refunded. Ms. XXXX assured me the application fee would be refunded per her manager 's approval. Almost 3 months later still no refund. AmeriSave attempted a bait & switch, falsely misrepresented the loan product offering, wasted my time & renege on my refund of {$500.00}. This company should not be permitted to conduct business. I have emails substantiating my complaints. 
FYI : I applied for refi with another company from start to finish less than 30 days XXXX completed my refi., no appraisal & no upfront application fee.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
After reviewing a copy of my most recent credit report ( s ) a found derogatory information that is being reported by a collection agency : MEDICAL DATA SYSTEMS. The original creditor is : XXXX XXXX XXXX. The alleged amount owed is {$140.00} I have no knowledge of this account and I am unaware of the alleged balance due. 

To begin, I never received any written notification or phone call regarding their collection attempts nor had I received any written correspondence from their client prior to this information being reported I never received any notice of my right to dispute or my right to request validation of this alleged debt. Pursuant to the Fair Credit Reporting Act and Fair Credit Billing Act, I have that right as a consumer, and this agency has clearly violated the Federal Law. They placed invalid and unverifiable information on my credit reports with out due process and has damaged my credit rating as if this was valid information. 

This damaging information was placed on my reports on or around XX/XX/2021 this was the first time I'd been made aware of this debt / account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: PA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My daughter XXXX XXXX sent me XXXX $ Using PayPal on XX/XX/2021 in portions because the system wouldnt allow her to send the full amount of XXXX dollars in XXXX transaction after she sent me the money to my PayPal I seen PayPal immediately put a limitation on my account for suspicious activity and asked for me to provide verification of address a state ID and a explanation of the activity. I submitted everything they requested .the a Couple days later I received a email from PayPal XXXX that I cant gain access to the funds my daughter sent me for 180 days and without viewing my case and checking into the transactions my daughter and I send to each other to show there is no suspicious activity goin on the automatically freeze my funds and tell me theres nothing they can do I have to wait 180 days and I can access the money then. I called numerous times to see if they can reverse the amount back to my daughters account but the continuously tell me no with no explanation to why they did the limitation and to why they froze the funds and now I have to wait 180 days to regain access. I did a little research and noticed this is a cycle with PayPal Ive read Hundreds of testimonies all over XXXX about how PayPal locks peoples money in their accounts and gain interest on it Im making this report I need them to reimburse the money back to my daughters account where it was originally sent from it was the only money me and my daughter had. With this being such a tough time for us and this pandemic we can not afford to have such a amount of money on hold for no explanation as to why they did so. Sincerely, XXXX XXXX XXXX email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 46 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I have filled a despite with the bank of fraud to include police report they are refusing to do anything and not honor their site of XXXX  liability and temp credit right after filing. 

I have sent them a police report to prove it is fuard as I was saving everything I can for a move. And i realized after the move what has happened. As we had moved due to my husband 's health been crazy. Ill lost my job as well not have internet and won't be able to get my husband his medicine now. 

On top of that, they have held my paycheck and tax return deposit for 15 days. I have been told by serval people on the phone that it's because the despite I filed was a large amount of XXXX plus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Applied for refinance on XX/XX/2020 with NewRez mortgage and I am still waiting for closing. All documents have been submitted and can not get a straight answer from company. I spoke with loan processor yesterday to make sure payoff was received for the 3rd time. Just want to know if this will ever be completed. Appraisal was for XXXX asking to refinance {$120000.00} for 15 years. Current interest rate is 6.99 % was quoted 2.5 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My problem is not that the original issue was not accurate, my problem is that the reporting agencies ( XXXX, XXXX, etc. ) tend to keep issues on the credit report longer than is necessary. While for Bankruptcy, it does indicate 7-10 years, I find it significantly detrimental to the individual that negative public records are not removed at the earliest convenience, particularly if, in fact, the idea is to improve the financial welfare of not only the individual but the country as a whole after having " served our sentence ''. By keeping these negatives, they are punishing, not reporting.

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 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2019 30 days late as of XX/XX/2019 60 days late as of XX/XX/2019 60 days late as of XX/XX/2019 30 days late as of XX/XX/2019 30 days late as of XX/XX/2019 30 days late as of XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Nelnet, Inc.
State: MD

Complaint narrative:
I recently looked overbmy credit report, and I have seen that with tje alleged account ( US DEPT OF EDUCATION/XXXX ) Is reporting to the credit bureau with a few discrepancies in the alleged account with the followng information : ( Name of Creditor : US DEPT OF EDUCATION/XXXX ), ( monthly payment -- ), ( term -- ), ( Worst payment status -- ), ( CONTACT ADDRESS US DEPT OF ED/XXXX XXXX XXXX XXXX, WI XXXX USA Mail only ) is being reported on XXXX. 
However, XXXX  is reporting the same alleged account information ( Name of Creditor : US DEPT OF EDUCATION/XXXX ), ( monthly payment {$0.00} ), ( Term : 0 month ), ( worse payment status : current ), ( CONTACT ADDRESS : US DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX USA ( XXXX ) XXXX ). 
This can not be the same creditor, as the information would indeed reflect the same information as one another, and not be different in any manner. 

I have provied for validation sake, several screenshots of the alleged account information and the inaccuracies reporting to XXXX  and XXXX, showing the different in this alleged Information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LoanCare, LLC
State: VA

Complaint narrative:
The original mortgage company XXXX mortgage, decided to sell our mortgage to a debt collection company LoanCare. This company decided to create an escrow account increasing our payments from XXXX to a XXXX. 
We can not afford to pay that much so they have accumulated few XXXX in debt over the last several months. However, we have paid our taxes and insurance on our own and on time. There is no need for an escrow account and the increase on the payments.

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 2021-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. System reports a unpaid credit account in my consumer credit file that I request proper verification. The balance is {$1400.00}, Account No. XXXX, original creditor XXXX XXXX XXXX.. I have never entered into a relationship with I.C. System or XXXX XXXX XXXX.. 

My personal information was compromised in a company DATA Breach and I request I.C. System Inc., to provide all documents they are withholding. Please include all signed agreements, the type of relationship established and if any services provided include those services.

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 2021-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
PHH Mortgage has deliberately withheld payoff amount for the 2nd time, delaying our ability to get out of their high interest loan and refinance with XXXX XXXX! They did this last year, and we complained then as well. At that time they did finally send payoff amount, but delayed until after 90 days so lender had to deny. 

We have all other documents, loan is ready to process again with XXXXXXXX XXXX, but after formal request legally binding PHH to send payoff within XXXX hours, they have delayed and have not yet sent the payoff. 

We need to get out of this 10.8 % interest mortgage. 

Please help us if you can!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I received a notification by mail that that I had an unpaid balance with XXXX ( XXXX XXXX ) and AmSher was the collection company to collect the unpaid debt of {$120.00}. ArSher offered me an opportunity to resolve my account/debt with a one time payment of {$97.00} if paid by XX/XX/2021. I attempted to call to make a payment but was placed on hold which I proceeded to hang up after 23 minutes. I then went online by using the bar code provided by AmSher on the collection letter they sent to make an online payment. On XX/XX/2021 I made an on line payment of {$97.00} per their collection letter and instructions, PAYMENT confirmation Number XXXX. On XX/XX/2021 I found a collections on my credit report from AmSher for the amount of {$32.00}. I would like AmSher to honor their offer and remove the {$32.00} from collections.

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