vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 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: The CMI Group, Inc.
State: GA

Complaint narrative:
This company is fraudulently reporting information to credit bureaus and I have never done business with them neither have they ever contacted me about a delinquent account as I dont know who they are? I dont owe this company anything and they dont have a right to report any collections to a third party thats not a validated debt between me and them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I requested a deferred payment on this account. I was granted a deferred payment. On the credit report it reflects a A late payment on this account. I have never been late on this account. I have asked this company to go back and find the original information that reflects the late payment. This account would have reflected a do a deferred payment. All I have requested was have the late payment removed from this account. Please research my request in it will reflect that the late payment is the different payment I requested. I have rose several of letters in contacted your company. Please removed from all the agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is showing late. I requested a deferred payment on this account. The deferred payment history is showing late but I was greement the defer payment. I Am requesting the someone investigate this information thoroughly. If the deferred payment was green it there should not be a late payment all my account. I am requesting that this information be removed from my credit report. All 3 career reports is reflect in something different.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
Mu nane is XXXX XXXX XXXX to XXXX $ from my S.S.I. payment without consent. This date r wrong and r old. Also they didnt inform me of dispute against the alleged debt. XX/XX/XXXX. I was not informed or let them take out that money. I feel this is a false report and i should get a refund from RPM collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is showing late. I requested a deferred payment on this account. The deferred payment history is showing late but I was greement the defer payment. I Am requesting the someone investigate this information thoroughly. If the deferred payment was green it there should not be a late payment all my account. I am requesting that this information be removed from my credit report. All 3 career reports is reflect in something different.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is showing late. I requested a deferred payment on this account. The deferred payment history is showing late but I was greement the defer payment. I Am requesting the someone investigate this information thoroughly. If the deferred payment was green it there should not be a late payment all my account. I am requesting that this information be removed from my credit report. All 3 career reports is reflect in something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Yes I never opened a XXXX card my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
The school closed in 2017 couldn't continue to go did not receive a degree

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: FL

Complaint narrative:
This complaint includes this very agency who in my opinion has failed to protect we the consumer and citizen. After years of the same complaints I received the latest report from one of the reporting agencies still incorrect and even after faxing them the correct information. By design and by fact of multiple situations they evidently can not report accurately as witnessed by the numerous reports to your agency alone. My credit report remains wrong hence impacting FICA scores. Allegedly this agency [ CFPB ] has oversight as posted on the WWW. Yet these frauds and it is fraud in my opinion because agencies and entities that base their financial and other decisions off of the product they deliver is receiving false and misleading information, inaccurate and out of date evidently deliberately. Even third parties who gather are even more out of date. Hence they do not and never can have the true and timely information. The system is by design a failure and a major impact to the American consumer and citizens. Any decision deliberately furnished and known to be false perpetrates a fraud upon me and mine and that is a violation of the law. In my opinion for anyone involved in any of these organizations to actually believe this is ethical, and honorable is beyond comprehension.

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 2019-05-02 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: Choice Recovery, Inc.
State: FL

Complaint narrative:
My credit is reporting a {$160.00} medical bill from 2016. When I saw it on my credit I immediately contacted the XXXX who gave me no info except the amount. I then contacted the urgent care the original debt was with and they stated there isn't a balance under my information. I contacted my insurance company at the time and they verified for me that there isn't any owed balance with the urgent care. I tried contacting the outside agency again but they refuse to even look into it and verify it with the urgent care and instead are still trying to collect this debt that isn't valid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
On XX/XX/2016 I was approved for a personal loan with NetCredit. I was unaware of the future circumstances and took out a very high interest loan, 99 % interest on a {$2000.00}. I have become a XXXX veteran and unemployed at the moment due to my condition. The total amount that I will be paying back on a {$2000.00} loan is {$7800.00}. I have been paying on this loan since that date.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
After 3 attempts to refinance loan thru Ocwen. 
I have emails XXXX, XXXX, XXXX. 

Without notice to myself and XXXX XXXX they sold my house and I owed $ XXXX Sold for $ XXXX. 

I had a new loan lined up with a family member, to sell the house when prices peaked like they did 8 months later. 
House sold for $ XXXX I have not recieved any . I have attempted contact. Have recording of contact and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XX/XX/2018 I tried to open an account with with People United Bank, NA ; XXXX XXXX XXXX XXXX CT XXXX and was told no. It also shows up on XX/XX/2018 and XX/XX/2018 that I could not stand account and I tried to resolve it with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
A XXXX automatic payment to my Bank of America credit card came through on XX/XX/XXXX at XXXX. I called Bank of america at XXXX to let them know this payment was in error and needed to be reversed, at that time i was informed the payment could not be reversed and would have to call back in 4 days to ask to have it reversed again. 
The amount payed was nearly the limit of the card which had significantly less owed on it than the amount charged, and had been billed by the bank of america automatic pay. {$2700.00} is a significant amount that should not have been charged in the first place and should have been remedied the day it was reported as an error ( initiated by their auto pay ). Additionally should not have to call back and ask Bank of america a second time to fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a XXXX form. They would not let allow me to settle the account. They said the account is past the statute of limitations. Monday XXXX XXXX The operator said that they do not know if a XXXX will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.

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 2019-05-02 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:
equifax has done nothing sent ftc, police report and cfpb all they done is hack into my computer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a 1099-C form. They would not let allow me to settle the account. They said the account is past the statute of limitations. Monday XXXX XXXX The operator said that they do not know if a 1099-C will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Big Picture Loans, LLC
State: MA

Complaint narrative:
I never ever took out a pay day loan and I looked up the company Big Picture loans and they come up under multiple names and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I lost my husband due to XXXX. I am on the title, but not the loan for our home. The estate has gone through probate and I am now sole owner listed on the record. I sent this information to SLS and with a loan modification request. I DO NOT want to lose my home. I can afford it, if I can consolidate two other loans. A simple refi/loan modification would solve this. However, SLS, instead of completing due diligence simply closed out my request for a modification. I am requesting that this modification be opened again. In addition, I received another letter also attached stating they needed information that I had already sent in with the loan modification. This is an extremely stressful and emotional time. Again, with some refinancing, I can afford my home and do not want to lose it. I am requesting that you investigate and hopefully streamline

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: KY

Complaint narrative:
In 2017 and currently ( two separate occasions ) this company has unfairly and incorrectly handled my credit information. 

Most recently I made an attempt to call FEDLOAN Services and spoke to a representative. In which we discussed the amount and date of my current student loan. 

Because of a job switch I communicated that I needed to change the date of this specific payment. 

To which I have just checked my credit score ( after years of trying to rebuild from their first error fresh out of college ) and they have reported my loans 31 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is the only Bureau to fix this, XXXX and Equifax are unable to. I had a XXXX account from XXXX to XXXX, this was closed due to divorce and foreclosure. Since XXXX my debt has been sold twice and re-aged both times. The Current holder is XXXX  XXXX  XXXX located in XXXX XXXX, PA. They have my account listed as OPENED in XXXX of XXXX. This is an illegal reporting under FCRA but with all of my complaints XXXX said its accurate and the Bureaus ( with the exception of XXXX ) has accepted this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XX/XX/19 I am unable to get a customer service agent on the phone. When I call, there are adds for : 1. XXXX XXXX, 2. services for people over the age 60 3. a XXXX credit of {$100.00} when I decline all- I am put on hold and a customer service agent never picks up. This is not fair and unethical and immoral. I am a slave in the machine that manages to keep me on hold long enough to run out of time, air and the will to participate in the great democratic process that founded this Country. 

I have been paying this debt for over 10 years, I do not qualify for debt relief because I was lead to believe that consolidating my loan would benefit me. It was a lie. 

I don't need a special counsel investigation to tell me there is collusion between Washington and big banks. You guys rot. I am going to spend my retirement advocating for people to not pay back their student loans, that's the only way to the negotiating table. 

Also, I would never encourage anyone to follow me into public education. Your agencies have figured out that we are sitting ducks. The largest union in the Country and through one loop hole or another you have counter fitted the people serving this great nation. I don't need an orange headed XXXX who makes his living cheating the system to represent me, he represents offices like yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transunion is the only Bureau to fix this, XXXX  and XXXX are unable to. I had a XXXX account from XX/XX/XXXX to XX/XX/XXXX, this was closed due to divorce and foreclosure. Since XX/XX/XXXX my debt has been sold twice and re-aged both times. The Current holder is Transworld Systems Inc located in XXXX XXXX, PA. They have my account listed as OPENED in XX/XX/XXXX. This is an illegal reporting under FCRA but with all of my complaints TSI said its accurate and the Bureaus ( with the exception of XXXX ) has accepted this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX is the only Bureau to fix this, Experian and XXXX are unable to. I had a XXXX account from XXXX to XXXX, this was closed due to divorce and foreclosure. Since XXXX my debt has been sold twice and re-aged both times. The Current holder is XXXX XXXX XXXX located in XXXX XXXX, PA. They have my account listed as OPENED in XXXX of XXXX. This is an illegal reporting under FCRA but with all of my complaints XXXX said its accurate and the Bureaus ( with the exception of Transunion ) has accepted this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a credit card account with Neiman Marcus ; account number XXXX. I have paid for all items I purchased and did not immediately return as the description of the size on line was not accurate, and the item ( clothing ) once delivererd was too small for me to wear. I owe no monies to Neiman Marcus as all purchased kept have been paid for, and all other items purchased were timely returned for credit. I have all the credit return mailing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SECURITY FINANCE CORP
State: IN

Complaint narrative:
I have a big problem with a company by the name of Professional Finance Services I have a loan with them and they keep increasing my principal and interest without explanation for why, I make my payments on time and never late but they keep saying that you owe more than the car was worth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX is a collection agency used by XXXX, after multiple attempts to correct this problem with both companies it still appears on all of the Credit Bureaus as an account opened in XX/XX/XXXX when this account was closed in XX/XX/XXXX. This is a re-aged debt which is illegal under the FRCA.

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