vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX I disputed something TransUnion reported to XXXX XXXX. 
As of XX/XX/2022, When I log into XXXX XXXX to check the dispute, not only does it show it's been more than 30 days, but it shows that there is still no decision on the dispute. I reached out to Transunion on XX/XX/2022 and i was told by them, that according to them, not only did I not have any current or past disputes, but if I were to receive an answer that it would have gone through XXXX XXXX, they could not be of assistance, and to contact XXXX XXXX, and would not help me any further. 

When reaching out to XXXX XXXX that same day, i received a reply on XX/XX/2022 that also says they ( XXXX XXXX ) could not find any disputes in there system, ( despite when i log in i can still see it in my dispute section ) and that they too could not offer any additional help as they did not have the resources but i was welcome to ask them any further questions

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 2022-01-27 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: FL

Complaint narrative:
there is a fraudulent application for an credit card at XXXX  in my name. it was declined due to incomplete information

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 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I became aware of a collection debt via XXXX XXXX XXXX XXXX from Procollect Inc for {$300.00} from XXXX XXXX XXXX. Debt sent to collections that was not mine. Identity Stolen and reported on XX/XX/21. Person had applied for multiple apartment leases in the area.

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 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage is the loan servicer of my home. The HomeOwners Assistance program has opened up in my state XXXX XXXX XX/XX/XXXX, I applied for assistance. The problem is that PHH Mortgage is not an accepted lender with the XXXX XX/XX/XXXX XXXX. I have called them on XX/XX/XXXX and XX/XX/XXXX ( PHH Mortgage ) several times and tried to communicate with them about the program. The representatives that I talked to on several different occasions do not understand that the company needs to sign an agreement with theTreasury Department ( government ) to accept the payments. They are drafting a letter to me to say that they will receive the government 's payments. Based on my conversation with XX/XX/XXXX, that is not going to work. Right now, my application is on hold because of the lender ( they will hold my application for 30 days only ). I am 31 months past due on my mortgage due to financial hardship because of Covid. If the mortgage company wanted to start foreclosure, they could at any moment. I do not want to lose my home, and I am turning every stone possible to prevent this from happening. I understand that PHH Mortgage does not have to sign up for the program. I want to know if they have any plans to start accepting XX/XX/XXXX. I was given forbearance after forbearance only to find out I could not get a load modification because of the investor guidelines. This is my last hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XX/XX/XXXX I made two credit card payments that i transferred out of my checking account via online banking for {$2000.00} and {$1000.00}. On XX/XX/XXXX i discovered that someone called in and requested to remove those two payments and reverse them and send them to an outside account at XXXXXXXX XXXX. I have filled a dispute same day on XX/XX/XXXX and never received provisional credit to my account and was advised to make minimal payment and it will be resolved. 

Today is XX/XX/XXXX and after several attempts i haven't received provisional credit, money back and now i have extremely large amount of finance charges on my account. I think this is ridiculous that i need to wait this long for money that i never transferred out. Clearly a reg e issue. Bank is not following rules that are set to them.

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 2022-01-27 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: MO

Complaint narrative:
In XX/XX/2022 I discovered several fraudulent accounts on my XXXX, XXXX XXXX Transunion credit profiles. I was notified several times from multiple companies that personal information was hacked/leaked. I have filed a police report with my local authorities and I have also filed a Federal Identity Theft Affidavit along with mass personal information leak 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 non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NM

Complaint narrative:
XXXX  amount {$1000.00} was a fraudalent now reported to a dabt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: IL

Complaint narrative:
I am currently with Fed Loan Servicing, and enrolled in XXXX. I am trying to get months I was in school-deferment to count towards my XXXX  months. I would also be open to submitting a payment for what my payment would have been back then. Some people have {$0.00} payments counting towards forgiveness, and I am upset that I was not provided guidance on submitting correct paperwork to get this status. I have XXXX messengered and spoken to people at Fed Loan. I also back dated an in school-deferment waiver to hopefully change this. No changes yet. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Enrolled in school in XX/XX/XXXX. My original loan principal balance was {$15000.00}. The lawn was in my fathers name. I only attended my school until XXXX. I did not finish due to finances. Needless to say I never finished college because it was too expensive to pay back the current loans that I have. As time went on my father expected me to pay my student loans because they were mine. At that time I was making {$9.00} and was expected to pay {$180.00} a month. When I reached out to my loan servicer to explain to them that I could not afford it they just put me in a forbearance. That was in XX/XX/XXXX. I was forbearance from XX/XX/XXXX to XX/XX/XXXX. Once I was married I was able to make a little bit more and start to pay off the loans. But at this time my interest rate went up 8.5 %. In XXXX I received an email I believe in XXXX that my loan was going up from {$180.00} a month to {$500.00} a month. Being XXXX  with her first child on the way and the pandemic happening we simply couldnt afford this. I reached out to our loan servicer and they suggested us consolidating the loan. They suggested this because I later found out on my own that we have maxed out the repayment plans. My servicer was putting us Repayment plans as well as for balancing my loans. Once I consolidated my love I was hopeful that I was going to be able to make payments because it was extended to a 30 year repayment plan. I then realized that my payments were now going to be over {$300.00} a month for the next 30 years with an 8.5 % rate. Leaving where my original principal was {$15000.00} to now {$40000.00}. But then that really leaving the loan to over XXXX in a XXXX fix. I Find it to be unfair that my loan servicer directed me and always possible in the wrong direction. No one helped me no one guided me no one directed me in the Direction and how to pay these loans off. I did not graduate and I understand that is my own decision I did choose to go to school and I know that was my own decision. But I did not choose nor expect to be in more debt than I ever thought I would be over 10 years later after taking out a loan to try and better educate myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX I disputed something TransUnion reported to XXXX XXXX. 
As of XX/XX/2022, When I log into XXXX XXXX to check the dispute, not only does it show it's been more than 30 days, but it shows that there is still no decision on the dispute. I reached out to Transunion on XX/XX/2022 and i was told by them, that according to them, not only did I not have any current or past disputes, but if I were to receive an answer that it would have gone through XXXX XXXX, they could not be of assistance, and to contact XXXX XXXX, and would not help me any further. 

When reaching out to XXXX XXXX that same day, i received a reply on XX/XX/2022 that also says they ( XXXX XXXX ) could not find any disputes in there system, ( despite when i log in i can still see it in my dispute section ) and that they too could not offer any additional help as they did not have the resources but i was welcome to ask them any further questions.

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 2022-01-27 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: OK

Complaint narrative:
In XX/XX/2021, the PSLF waiver was announced and I immediately began to read over the changes and take the steps needed for the waiver to help my situation. In XXXX, the waiver only mentioned to consolidate non Direct loans. I have XXXX Direct loans that I did not consolidate with my XXXX non Direct loans since the waiver was very clear about this. The consolidation occurred in early XX/XX/2021 and within XXXX weeks the newly consolidated non Direct loans were forgiven under the waiver but I was left with the XXXX Direct loans. The updated information came out for the waiver after the forgiveness of the newly consolidated loans to consolidate ALL loans, Direct included, and the waiver would count the highest number of loan payments. In my situation, this information was not given in a timely manner for me to consolidate all my loans together. As a result, I am now left with XXXX Direct loans that would have been forgiven if correct information had been given in a timely manner to consolidate everything together. I am grateful of the loans that have been forgiven but it is so disheartening for inaccurate information to be given and not allow the individuals that took advantage of the waiver early on to get counts and an immediate forgiveness that would have otherwise counted if the information had been given in a timely manner. I have been paying the loans and working in public service now for 13 years which is well over the XXXX payments needed but due to more red tape and misinformation, I am still left with the loans wondering when this will eventually end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: DE

Complaint narrative:
On XX/XX/2021 I sent a letter to all XXXX, XXXX  and transunion about the XXXX XXXX XXXX credit card. This account does not belong to me and was opened fraudulently. I sent three letters to have this removed from my report, but they have not responded or 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 non-monetary relief
Consumer complaint received 2022-01-27 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: DE

Complaint narrative:
On XX/XX/2021 I sent a letter to all equifax, XXXX and XXXX about the XXXX XXXX XXXX credit card. This account does not belong to me and was opened fraudulently. I sent three letters to have this removed from my report, but they have not responded or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have been trying to fix the charge off and account balance on my credit report I have requested validation as well as prove to the original contract and have not received any information all it states its updated I will like the account to be validate and the original contract I have asked if it couldnt be validate to please remove and for the last 6 months I havent received original contract car was total insurance company paid balance off

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 2022-01-27 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
Someone was suppose to remove this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I applied for a rental unit and was denied. That made me discover this item on my credit report. I am not familiar with this creditor. I have a great payment history on all my accounts. That is not my account with them. They have ruined my credit report. I do not owe them any money. 

The creditor-IC Systems INC XXXX XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN 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 2022-01-27 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: The CMI Group, Inc.
State: TX

Complaint narrative:
I am a federally protected consumer, and I have an update to the complaint filed previously please review the attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc.
State: NJ

Complaint narrative:
The debt collector is Remex Inc. located at XXXX XXXX XXXX XXXX, NJ XXXX. Remex illegally reported my medical debt before the 180 day period according to the Medical Debt Relief Act of 2016. The debt went to collections XX/XX/XXXX and was reported to the credit bureaus in XX/XX/XXXX. When they were notified that the debt should not have yet been reported since it was medical debt that was less than 180 days old- they said that they would not correct their mistake and notify the credit reporting agencies. 

They then tried to manipulate the situation by saying they could get the debt removed after it was paid. However, I informed them that after a debt is paid it is unlikely to get removed by credit bureaus. Since the debt should not have been reported yet, they needed to remove it and then I would pay the {$59.00}. 

Remex then lied and stated that the law says they can report medical debt 180 days after your doctors appointment rather than 180 days after the debt goes to collections. When I informed them that I was aware of the law, they continued to make misrepresentations and being contentious by telling me to call the credit agencies instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I applied for a 1 year loan from Marcus by Goldman Sachs on XX/XX/XXXX total amount of {$1000.00}. I have made payments, every month since getting this loan. Now at the time of the Loan I was receiving unemployment, I then asked a rep would I be able to make early payments or pay a little more each month since I didn't know how soon i would get a job once unemployment stopped, she verified and stated that would be fine. i made payments and not until late XXXX noticed anything was wrong. By then I had paid off majority of the loan and was now making XXXX dollar monthly payments. I noticed because i check quite frequently that Marcus had reported my account a couple days late. I called the date of XX/XX/XXXX them explained the situation they assured me they would handle it and someone would get in contact with me to rectify the late reporting and missed payments reporting on my account the reps name was XXXX and she also spoke with her supervisor. They both assured me and agreed that i was right and it would be corrected to call back regarding the case file in 7-10 days, in which i did and it was not completed. I response to that I received a call back asking when can i pay the remaining balance and the only calls i have received since than are collection calls asking when i am going to pay my balance.For starters XX/XX/XXXX has not even passed yet i owe only XXXX dollars left how am i 4 months late on payments when i have made payments every month since than and even paid most of it off early. All they do is email me about my report being closed to make payments and update my report as of going over 90 days late yet they have not responded to my letters, emails, or responded back to my original complaint. They now have my account reporting as closed, reporting as late, which is incorrect reporting, which in results have dropped my credit score a-lot. I have asked for an investigation, they have not completed it, or if they have i have not been notified of the decision. It has been months, I have called in XXXX, several times, in XXXX around XX/XX/XXXX and continuously the whole month as well as sent letters and an email, no response. Also reading in their agreement no where does it states a penalty paying off more than the estimated amount. it says no penalty if paid off early right at the bottom of the agreement.

Company response to consumer: Closed with explanation