vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 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: ID

Complaint narrative:
This is my second complaint with the CFPB about experian not supplying me with the proper documentation that I have requested. I have sent 6 requests now for all PHYSICAL documentation proving that the debts on my credit are mine and experian has blatantly declined to send me anything. FCRA 609 ( a ) ( 1 ) reads and I quote '' Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ),  clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request ''. I will attach documentation.

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 2019-10-23 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: AZ

Complaint narrative:
Loan Type : Federal. The XXXX XXXX XXXX XXXX ( XXXX ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) performed a review of my account. However, they provided some serious inaccuracies regarding the review. PHEAA responded that I submitted an Employment Certification Form ( ECF ) confirming your employment at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, XXXX however, I have written them at least three letters advising them that I have submitted two other ECFs ; in XX/XX/XXXX, and on XX/XX/XXXX. The ECF submitted on XX/XX/XXXX advised that I had been employed with the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX. PHEAA further responded that did not begin to repay your XXXX XXXX XXXX Federal Direct ( Direct ) Consolidation loan disbursed XX/XX/XXXX until XX/XX/XXXX. This is incorrect, I started repayment in XX/XX/XXXX, and had no forbearances or deferments. I have requested and have not received a full accounting of my payments. In addition, while PHEAA responded I made payment under an ineligible plan, they neglected to state I made the payments under the standard payment plan, and I have continued to do so to present date. PHEAA has not properly credit my payments under the PSLF payment plan. The balance of {$22.00}, XXXX should have been paid off or forgiven at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-23 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: FL

Complaint narrative:
An account that is incorrect is reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: DC

Complaint narrative:
Timeline : XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX ) to ACS. 
XX/XX/XXXX - letter from ACS that deferment processed on my loan through XX/XX/XXXX. 
End of XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX ) to ACS. 
XX/XX/XXXX - letter from ACS that I needed to correct the start date on the form I sent for deferment. 
XX/XX/XXXX - faxed and mailed to ACS updated request for cancellation form along with letter from office manager at XXXX stating I had been continually employed and correcting the start date in writing, received fax confirmation. 
End of XX/XX/XXXX - my Perkins loan is transferred to Conduent. 
XX/XX/XXXX - letter from Conduent that my deferment status will expire on XX/XX/XXXX with no mention of the current balance or any problem with the loan. 
XX/XX/XXXX - Conduent reflects that the current balance on my loan is {$3400.00} and that my " Pay Off '' is good through XX/XX/XXXX. 
XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX XXXX ) to Conduent. 
XX/XX/XXXX - letter from XXXX informing me that my Perkins loan has been transferred to them. 
Beginning of XX/XX/XXXX - sent request for cancellation form to XXXX along with prior documentation of every request for cancellation form I'd sent to Conduent and ACS because the balance XXXX reflected on my account is still {$3400.00}. 
XX/XX/XXXX - XXXX sent me an email that they were denying my old documentation. 

There has never been any indication of a problem with my paperwork or my account in the past, other than the one time in XX/XX/XXXX that I corrected. I have been working as a registered nurse the entire time my loan has been in repayment and I have diligently completed the paperwork for deferment. I am entitled to have this loan forgiven. My deferment has clearly been processed because my account has never been delinquent and the pay off date has been extended, yet the balance still sits at {$3400.00}. When Conduent transferred my loan to XXXX they blocked me from accessing my account further so I can't reach out to them to resolve this issue. I need Conduent and XXXX to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
experian co has placed wrong information on my report which is invalid and refuses to remove this wrong information and does not belong to me.

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 2019-10-23 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: Freedom Mortgage Company
State: CO

Complaint narrative:
I recieved a bill from a this company and i always mail my payment. However, one month they received the payment 5 days late. The check was dated for before the payment was due but it was not processed until after it was 5 days late. The company reported me as 30 days late on my credit report because of this and it has damaged my ability to get a home loan with the best possible rates. I had also mailed other payments into them that were received 5 days late as well but i never had a 30 day late payment put on my credit report. Technically the payment was only 5 days late and a late pay was assessed to my account which is fine. Since the incident, i have always paid more then i have agreed to pay each month as well and attempted to have them remove the late payment history but have not been successful.

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 2019-10-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This relates to the previous complaints # XXXX ( Submitted XX/XX/2019 ) and XXXX ( XX/XX/2019 ). 

Equifax is " zombie-walking '' the original complaint - first 1, they repeated their unlawful behavior by prohibiting our free right to to conducting commercial business as it refuses to unfreeze our account. Then 2, they couldn't find the account ( see previous complaint ) using an erroneous version of our name. This is an abject failure to do provide a service we have NO RIGHT to refuse and are beholden to. Then 3,  see attached, the send an administrative note to guide self-management of our account WITHOUT a PIN!!! Clearly there is no interest to provide a service because it is NOT A SERVICE, it is a mechanism to profit of people 's personal information. 

Are we going to go in circles here. We are building a good case to take to congress here en masse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
Complain is in regards with the money that I sent to my family in the XXXX which haven't been claim yet I sent the money last XX/XX/2019 with name of XXXX XXXX XXXX the name was correct and the address, phone number but suddenly the account was enter was wrong i don't know why i report it to remilty that the account was enter was wrong them to correct but they tell me to contact the XXXX in XXXX. my Family in XXXX went to the bank they told her the account number that sent the money was not exist so the money was not sent to XXXX account they said that we have to contact again the remitly but remitly still insist that the transcation was completed been seeking for help for almost a week now still no answer which is so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: NH

Complaint narrative:
I was rear-ended while stopped at a red light on XX/XX/XXXX. The other driver was completely at fault as determined by the police, my auto insurance company and the other driver 's auto insurance company. I received medical treatment for the injuries I sustained in that accident from XX/XX/XXXX to XX/XX/XXXX. Although this matter and all resulting bills is involved in litigation, I was still sent to collections. Once the collections agencies were notified these accounts were involved in litigation two of the agencies halted all collection attempts. However, two other agencies, XXXX and Americollect, still tried to collect the debt. After several calls to each, they did stop calling me but did report me to XXXX and XXXX. I disputed with each bureau. XXXX  immediately removed it from my credit report but XXXX denied the dispute on the basis the collection agencies claim they are valid bills. I disputed a second time with the same result. XXXX admits they did not try to validate the accounts are in litigation. I have opened a third dispute and am awaiting the result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
This is a complaint about Jared Jewelry. I previously had a payment plan that was stopped for unknown reasons to me. Some time has gone by and I started receiving numerous calls to my cell and work numbers. I advised them not to call my work number and what times I could be reached on my cell. They havent tried calling my cell during the times I indicated and have continued to call my work number even asking to speak to my supervisor.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX Narrative on XX/XX/2019 On or about XX/XX/2019, I opened an account with 5/3 Bank and declined to opt into overdraft protection per the Opt Rule. My checking account balance at the end of the business on XX/XX/2019 was {$740.00}. There were no transactions made on my account by me or anyone else from that time until approximately noon on XX/XX/2019 when I attempted to make a debit card purchase and my transaction was declined. I found that to be highly irregular and logged into my mobile banking application with 5/3 Bank and noticed that my checking balance is - {$1900.00}. It showed a list of strange " pending transactions '' that took my account from where legally and ethically it was at in the amount of {$740.00} to a high negative balance. 

The Opt Rule, 12 CFR Part 1005 ( Regulation E ) at1005.17 ( b ) ( 2 ), provides official interpretation of conditioning payment of other overdrafts on consumer 's consent. This section requires banks to condition and decline the payment of any overdraft checks, ACH transactions, and other types of transactions on the consumer because the consumer has not affirmatively consented to the institution 's overdraft service for ATM and one-time debit card transactions. On XX/XX/2019, 5/3 Bank willfully and deliberately violated this section of the law and changed my account from {$740.00} to XXXX. This violation came stemmed from an act of negligence on their part to maintain effective and efficient electronic banking systems and became libelous with intentional tortuous liability as a result of them willfully and deliberately using creative and artful means to cause me injury, knowingly violate 12 CFR Part 1005 and erode more trust from not only the banking industry as a whole but specifically 5/3 Bank. 

12 CFR Part 1005 does not provide justification for violating the law by banks for any reason whatsoever and banks are actually the more egregious offender like that of contracts of adhesion but the intentional injury inflicted on my was likely from something that should have been commended for. Apparently, I randomly discovered via penetration testing a flaw within two banking systems that through my efforts and the methods that I used in particular, 5/3 Bank and I were actually able to stop and remedy this glitch that 5/3 Bank has an actually has an official and legal duty and obligation to correct, not me. 5/3 Bank apparently was either extremely cheap in acquiring their business assets like their software & information systems and/or seriously lacking in the acquisition and retention of skilled, competent, knowledgeable, ethical and professional personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2019 Discover Bank did an ACH debit from XXXX account to my Discover Savings account for XXXX, as requested on XX/XX/2019. 

On XX/XX/2019 Discover Bank repeated this transaction. This second debit was NOT requested. 

On XX/XX/2019 Discover sent a message in my web portal. Saying that the ACH transfer was processed twice due to a processing error and they were working to reverse the transaction. 

I called Discover and XXXX on this day and was told by Discover that a credit would appear on my XXXX account on/by XX/XX/2019. 

PLEASE NOTE : While this second debit appeared as a debit on my XXXX account it did not post on my Discover account. I have asked Discover numerous times where it posted and they have not provided an answer or any documentation as requested. 

On XX/XX/2019 I called Discover to advise that the credit did not post and was advised it would post in the next business days. 

On XX/XX/2019 I called Discover to advise that the credit still has not posted and was assured I would get a call the first thing on XX/XX/2019. 

On XX/XX/2019 I called Discover after I did not receive a call. I was told that the credit was sent to XXXX on XX/XX/2019. 

The Discover representative got XXXX on the line and after confirming all my information we were told that no credit was posted to my XXXX account. 

Even after receiving this verbal confirmation, I was forced to upload all my recent transactions showing the XXXX account was debited twice and that no credit back was received. 

On XX/XX/2019 I called Discover to check on status and they said there were still investigating the matter to determine where the credit posted. I asked for verification that it was even sent and I was told that such a request had to go through their legal department. 

As accommodation, so I collect interest Discover posted a courtesy credit as a check on my account, but the funds would not be available to me until they conclude the investigation. Why is my own money not available to me? Especially when this is their error and they have admitted this much. 

Again, I will note that while my XXXX account was debited twice ( XX/XX/XXXX and XX/XX/XXXX ) and while the post of XX/XX/XXXX appears on my Discover account the other does not. Discover has not advised or provided any documentation on where exactly these funds are or were posted during this more than two week ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This old account was handled properly. 
The account was closed by me ( the consumer ) and the final bill was paid years ago. 
This was reviewed previously with another agency and they resolved the non-existing problem. Now, here again a new agency is calling for a debt, I never owed. I'm furious that they are calling my job as well. It needs to stop!!!!!!

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 2019-10-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
information on the credit report that is not mines. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  and TransUnion credit bureaus placed bankruptcy on my credit report. No bankruptcy record on file at courthouse in XXXX. Letter of dismissal is available from Judge. Letters filed and request for removal from credit reports not being handled.

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 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
1st, I have never lived at the address this bill was charged to. 2nd, this debt was removed after filing a complaint to Equifax. Finally, I didn't realize I had to file a complaint with XXXX too in order to have get this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
After numerous attempts to try and delete these fraudulent accounts from my credit reports I still haven't received verification of these accounts that aren't mine, the credit bureaus and the company who has added these fraudulent accounts have refused to investigate under my Fair Credit Reporting Act. The collection agency and the accounts are as follows : FIRST POINT COLL RESOURCES INC. 
ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation