vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: SC

Complaint narrative:
I refinanced my home in XXXX with XXXX XXXX. In a letter dated XX/XX/2019 I was notified that my loan servicing will be transferred to XXXX XXXX, XXXX. The paperwork was not clear and in reality only the primary mortgage had been sold and XXXX XXXX  retained the 2nd mortgage. 
XXXX XXXX  Loan # XXXX to XXXX XXXX , XXXX Loan # XXXX XXXX XXXX   Loan # XXXX, in reality stayed with XXXX XXXX. 
Without this knowledge, I made both payments to CMC/XXXX  through my bank bill pay on XX/XX/XXXX.  I made 2 separate payments to CMC, but I used the appropriate XXXX XXXX   account number on each. 
I only knew there was a problem when XXXX called to collect on the past due payment. At that time my account had not been " on-boarded '' by CMC so they could not help me. Account was finally set up 2-3 weeks later. After multiple hours of research, CMC posted the erroneous payment of {$1000.00} to additional principle. I applied for a refund and I received a message that the check was sent to my address of record on XX/XX/XXXX but I have not received. Many call attempts but after being on hold, they hang up and state they are in an all employee meeting and disconnect the call on multiple occasions. At least 6 times in last 3 days. Maybe 12 times before that. Can't be in all employee meetings that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Riverwalk Financial Corporation
State: OH

Complaint narrative:
I got a car back in 2012 from XXXX. It always had issues. The first day they had to replace the oil pan. I was paying the payments on time for 2 years then the third year they said I should have been paid off I moved out of state and the car got totalled. My insurance didnt pay for it. They repoed it due to me loosing my job in kentucky and i tried to get them to extend my payments so i can pay it off come income tax time and pay it off. They refused and sent it to my credit. Its been on my report for a while. Im willing to pay on it if the payments were low but i feel im not intitalled to all the fees they put on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX College in XXXX KS was shut down due to misconduct and fraudulent activities within their organization. I feel they lured students in to profit off individuals looking to better them self. I have filed for the Borrowers Defense application process to have my loans discharged. The negative impact that it is having on my credit report is major and I continue to get no answers as to when a decision will be made from the Department of Education. XXXX the lender is impossible to get in contact with to follow up with the process. As well as the Department of Education. I do not feel I am responsible for said loans as I was lied to and preyed upon as many other were.

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 2019-11-21 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: KS

Complaint narrative:
XXXX XXXX in XXXX KS was shut down due to misconduct and fraudulent activities within their organization. I feel they lured students in to profit off individuals looking to better them self. I have filed for the Borrowers Defense application process to have my loans discharged. The negative impact that it is having on my credit report is major and I continue to get no answers as to when a decision will be made from the Department of Education. XXXX the lender is impossible to get in contact with to follow up with the process. As well as the Department of Education. I do not feel I am responsible for said loans as I was lied to and preyed upon as many other were.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: KS

Complaint narrative:
XXXX XXXX in XXXX KS was shut down due to misconduct and fraudulent activities within their organization. I feel they lured students in to profit off individuals looking to better them self. I have filed for the Borrowers Defense application process to have my loans discharged. The negative impact that it is having on my credit report is major and I continue to get no answers as to when a decision will be made from the Department of Education. XXXX the lender is impossible to get in contact with to follow up with the process. As well as the Department of Education. I do not feel I am responsible for said loans as I was lied to and preyed upon as many other were.

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 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to fix errors on my Experian credit report. I've sent them letter asking for help because the information they are showing is incorrect and obsolete. They send me letter saying that I need to contact the creditor which I did. The creditor never answer my letter and Experian keep saying that they verified the information as accurate. How could be possible when that information is wrong. The accounts of XXXX XXXX XXXX # XXXX and XXXX XXXX   # XXXX are showing late payments which is wrong I made all my payments on time. Also they are showing an acc of  XXXX XXXX XXXX # XXXX that I do not recognize and they refuse to send me proof of 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 2019-11-21 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: GA

Complaint narrative:
XXXX XXXX credit card is reporting incorrect last payment date Please verify and delete all inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: GA

Complaint narrative:
XXXX XXXX Card is reporting a monthly payment for a charged off account Please verify and delete all inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: IN

Complaint narrative:
I am currently enrolled in the Public Student Loan Forgiveness program. I have been part of the Income Based Repayment for 7 years. This year I applied for it again ( which has to be done annually ) on XX/XX/2019. I received a denial email from FedLoan Servicing on XX/XX/2019. They stated that I would receive a letter explaining this, which I never did.

I then called FedLoan on XX/XX/2019 complaining about this issue. As I expected, they explained that I received the message because I no longer qualify for financial hardship. While that is true, I explained to them that as written under the policy, once a individual is in a IBR policy, they can not ever be kicked out. In this situation, my payments will be based off of a standard 10 year repayment policy. The consumer service operator agreed. She explained that she will make sure I receive the formal letter detailing that exact concept and that I would still be part of IBR for the upcoming year. I know to expect this letter since many people I know that no longer have the financial hardship in IBR receive this confirmation letter.

I have not received any letter of verification. On my FedLoan profile, I now states that I missed my time for annual recertification for IBR.

I need to be in IBR as I am going for PSLF. I do not want any payments that I make to not be counted because of the error with FedLOAN. 

Please please please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: GA

Complaint narrative:
The XXXX XXXX Missouri is reporting a monthly payment for a charged off account Please verify and delete all inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: SC

Complaint narrative:
A collections company called XXXX XXXX XXXX reported to Experian that I owed {$420.00} from a creditor called XXXX XXXX of XXXX. I disputed this reported debt from XXXX XXXX  with Experian on numerous occasions only to have it confirmed after each dispute. After disputing this collection debt with the Consumer Finance Protection Bureau on  XX/XX/2019 ( complaint # XXXX ), XXXX XXXX XXXX reported that my debt was {$350.00} and not {$420.00}. I again disputed this debt with Experian after receiving my response from the CFPB. On XX/XX/2019, Experian lowered the debt amount reported by XXXX XXXX  from {$420.00} to {$350.00}. Experian then lowered my credit score and stated that I made a late payment to XXXX XXXX  which is unlawful, untruthful and unfair to me as a consumer. I've never made a payment to XXXX XXXX  and I am still denying this invalid debt collections because this amount was paid prior to it being reported to collections or it is fraudulent. I've had fraudulent activity attempted with my name and personal information this year and prior to this year because my personal information has been compromised. XXXX XXXX  has not responded to my dispute since it was submitted on XX/XX/2019 and has not lawfully sent me validation of this debt which I have requested.

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 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank {$660.00} and the below creditors are reporting unverified information on my account and this is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

Capital One Auto Fin # XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX  {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
I have blocked this company several times and they keep calling from different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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:
These 3 accounts are not mine ... not sure who's they are. Please remove 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 non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
It was XXXX of this year 2019, that I accepted a pre approved offer sent by mail to me by Fortiva Credit. My offer was for a credit line of up to {$1000.00}, which is what they lent me minus a {$170.00} Annual Fee. My actual resulting line of credit was {$820.00}. On XX/XX/XXXX, I made my first payment, the minimum of {$25.00}. They didn't post it until XX/XX/XXXX so they charged me a {$25.00} late fee. Now I had a new minimum payment of {$100.00} due XX/XX/XXXX, which I made. It was on or around XX/XX/XXXX that I called to discuss changing the due date, since I get paid social security on the XXXX Wednesday of the month. I believe they know as well. The due date of the XXXX was just before my payday. I was told my account had to be " current '', and then at that time I could put in a request, though not a guarantee, and it could take several months. When I received my social security check, I made a minimum payment of {$52.00} on XX/XX/XXXX so I was charged another {$39.00} which showed up on my due date of XXXX XXXX statement. Now my minimum payment is up to {$180.00}. I could not afford that high of a payment that month. On XXXX XXXX, again after I received my paycheck, I made a {$300.00} payment. It was the weekend so Fortiva didn't post it until XXXX XXXX.The minimum on my XXXX XXXX due date statement was {$270.00}. They charged me a late fee of {$39.00} as well. On XX/XX/XXXX, I made another {$120.00} payment and Fortiva charged me another {$39.00} late fee. On or around XXXX XXXX, Fortiva closed my account because I " ..failed to honor the terms of your account agreement. '' I did not receive any type of text or email, which Fortiva had used on numerous occasions. Instead, I received a letter, standard US postal mail around XX/XX/XXXX, a copy of which I have attached, along with the envelope with no date on it. Only within the first 3 months, I was told by XXXX XXXX, can the {$170.00} Annual Fee be PRORATED and partially refunded. This card was not a " rebuild your credit '' opportunity. This is predatory lending or loan sharking in my opinion. I have made {$590.00} in payments on a credit line of {$820.00}. I have been charged {$410.00} in FEES, {$190.00} in interest totaling {$600.00} in a closed account within 6 months. And, I still owe OVER what I borrowed {$860.00}. And, then I went to make my XXXX payment, they wouldn't take my credit card! Debit only. That is a first from my experience. This company has never failed to disappoint. Their purpose and design is to take advantage of people they know are at a disadvantage, and ruin their credit more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: NV

Complaint narrative:
These 3 accounts are not mine ... not sure who's they are. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wrote everything up and saved it as a PDF - please see the attached file : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I've settled this payday loan in 2016 with Cash Central and DFS.

I'm now getting collection calls from a collector that Cash Central can't / won't validate. I've asked the collector to validate the debt and that I settled the debt in 2016 through DFS. 

I've provided all the documentation that I have on my credit report. If Forced I could go back to the Bank and Find the check / Credit card that I settled the debt on. 

This collector won't stop emailing and texting me along with calls. The collector then asked for my address. If they are collector they should have or find that info. 

Please help me to address this collector as I don't see them as being a registered collector in the state of California or the collector that cash central has provided that owns the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: NY

Complaint narrative:
I submitted a dispute to remove fraudulent accounts off of my credit report. I have not been in the country and someone has been using my name, SSN and DOB to open accounts. I submitted to the 3 credit bureaus and there are still fraudulent accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX  are reporting unverified information on my credit report on this Capital One Bank # XXXX and the below creditors and this is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

Capital One Auto Fin # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US Dept of Ed/XXXX # XXXX Us Dept of ED # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I wrote everything up and saved it as a PDF - please see the attached file : 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 2019-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
Company is attempting to collect a debt for lab that was never taken. Dates are inaccurate. My visit occurred in XXXX of XXXX and they are trying to say it happened in XXXX of XXXX. As soon as I arrived and got checked in they advised me to go to the ER which I did. I have documents proving so. They are falsifying dates to collect on lab work that never happened. Ive never seen any lab results from this company. Also, I dont appreciate my protected health information being shared with a collection agency. The reason for specific lab work is something thats extremely personal to me. In the moment I was in extreme discomfort and pain and had no clue as to what I was signing that may have indicated it was ok to release my protected healthcare info. It was never ok.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: NY

Complaint narrative:
I submitted a dispute to remove fraudulent accounts off of my credit report. I have not been in the country and someone has been using my name, SSN and DOB to open accounts. I submitted to the 3 credit bureaus and there are still fraudulent accounts on my report.

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 2019-11-21 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: NY

Complaint narrative:
I submitted a dispute to remove fraudulent accounts off of my credit report. I have not been in the country and someone has been using my name, SSN and DOB to open accounts. I submitted to the 3 credit bureaus and there are still fraudulent accounts on my report.

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 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: GA

Complaint narrative:
XXXX are reporting unverified information on my credit report on Fed Loan Servicing # XXXX and the below creditors and this is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

US Dept of Ed/XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  {$270.00} XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation