vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I first applied for the Fedloan Serving program in XXXX in hopes of getting loan forgiveness since I've been paying on my student loans since late XXXX or early XXXX and I have been a public servant since XXXX, XXXX. I have never missed a payment to any of the various loan companies that owned my loans. The Fedloan Program turned me down in XXXX, saying my loans, which were originally Federal Stafford Loans, did not qualify me for the Program. In XXXX, XXXX, I was solicited by XXXX XXXX   and told I could get into this program to reduce my loan payments. I was charged {$690.00} by XXXX XXXX to get me into the Fedloan Serving program. My loan payments went down to $ XXXX/month for the first year. In XXXX, XXXX, Fedloan Servicing informed me via email that I needed to recertify my " income-driven repayment plan. Their customer service helped me submit the form XXXX XXXX ) via the internet and it involved the IRS. For reasons I don't understand, Fedloan is now increasing my monthly payments to {$380.00}, effective XX/XX/XXXX. This is a 60 % increase. On XX/XX/XXXX, I called Fedloan regarding this issue. The customer service person suggested I ask for a recalculation and provide pay-stubs rather than IRS information. On the same call, I was transferred to a second agent who listened to my concern and suggested I get out of the Fedloan Program since I really didn't qualify for it anyway and I could save money by going to a regular payment plan with a different servicer such as XXXX which had serviced my loan previously. I feel like I've been miss-lead by the Fedloan Serving Program and by Mr. XXXX XXXX, the case manager at XXXX XXXX ( http : //www.nexum-servicing.com ). After receiving my {$690.00}, I was never able to talk to XXXX on the phone again. He had convinced me I could save money with Fedloan and he told me my payments would go down to {$0.00} when I retire from State Service in XXXX. He told me I would receive loan forgiveness once my payments went to {$0.00}. I have concluded his advise was incorrect and or miss-leading. I regret having my loan transferred to the Fedloan Program because its representatives have indicated I will not receive loan forgiveness for my 20 years of public service. I am very concerned about the cost of my student loan debt, especially since I intend to retire from State service in XXXX. I am also concerned about how I will be able to afford these student loan payments once I am receiving a pension. I am also very disappointed that I haven't been able to " qualify '' for loan forgiveness based on my long years of public service. I think this whole Fedloan Program is complete scam and I have been duped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : INCONSISTENT LATE PAYMENT REPORTING - 30 OR 60 DAYS? HOW? SEE ATTACHMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company 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 2019-08-07 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: GA

Complaint narrative:
I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that are not mine. I have reached out to the FTC and to my local department. Please move them from my credit. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  AND XXXX. There were also some inquiries that are not mine as well, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX I am doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
I contacted company to ask, if my name be removed from mortgage through divorce in XX/XX/XXXX. Told me, I could that coborrow can take full responsibility of loan, if paid on time for 6 months. I contacted to have this done. Someone had to check with someone else, said yes the loan is summed up. Please submit the request in writing with his signature. In XX/XX/XXXX. Snet the information. Then told me need3d divorce decree. I sent that information in XXXX. Then said, I had to send a email ticket request. Nothing ocurred. I contacted and emailed every month with an update. Different answer everytime called. Then said, never got anything. Which we did. They emailwd me the exact paper i sent them back that he needes ro fill out. Then last time I spoke said it could take 6 more months, ehixh I know was a lie because they wanted me to stop calling. It has now been over a year. Nothing has changed! I am sick of the circles. Getting nowhere, transferring, different answer everytime, emailing, and calls. They lied and the calls are recorded.

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XX/XX/2019 for 30 days late? 

I am not sure how this happened, but the payment was set up automatically and all the sudden they stop taken the payment from the account. When I found out that they didn't take the money. I personally called Toyota finance, and they said honestly they didn't know what had happened. They also had mentioned that they would take care the late mark on my credit file due to their internal mistake, but now I'm pulling my credit and reaching out to them and they still haven't updated as paid as agreed never late. Again, I had made my payment with them and they had all my bank information. I have never been late with TOYOTA for all the cars I've leased from the.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Sychrony bank, XXXX XXXX has been making charges against card causing card to accrue interest fees and going over the credit limit. In XXXX {$2500.00} in charges were made by me and since then Ive paid religiously {$100.00} or more. These security charges caused the card to reach a balance of almost {$3500.00}. Recently I called about the security charges in which I spoke with a delightful person who refunded {$1800.00} and some change to the account in question which left the account balance around $ 1500+. I recently channeled this same situation through this site in which I was contacted by a senior specialist XX/XX/XXXX through email and advised to call to speak about situation. I called and was greeted with a voicemail saying this person would be on vacation for XX/XX/XXXX, understandable. A week later with no call back I replied back to email on XX/XX/XXXX saying I received no call back about situation and received an email saying because of security purposes that this couldnt happen through the channels of communication I asked for. In turn, I received another email saying the situation had been resolved with a late fee refund of {$45.00}, in which my ten years of credit history I have never been late on any payments. I replied back asking to be called because the way I was being treated was not very good. Till this day, the card has not been used since early XXXX but shows charges to be made and interest fees assessed. As of XXXX it shows over {$300.00} in charges made and over {$400.00} in interest accrued to these charges. I have not used this card so how could charges be made? Simple math shows that {$3000.00} at % 29 would be {$870.00} in interest, with me paying well over {$2000.00} since XXXX plus the {$1800.00} that was refunded and whatever payments Ive made this year should suffice for balance completion. I would like this situation to be resolved expeditiously in anyway before I seek legal action.

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 2019-08-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
By way of letter dated XX/XX/2019, Bank XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, FL XXXX, advised me that effective XX/XX/2019, my home equity line of credit would be assigned to Specialized Loan Servicing, XXXX, XXXX O. XXXX XXXX, XXXX, CO XXXX. As of today, XX/XX/2019, I have received no correspondence from Specialized Loan Servicing. XXXX XXXX XXXX has advised me that Specialize will establish a new loan account number for my loan. As of today I have no knowledge of that loan account number. My payment is due on XX/XX/2019.

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 2019-08-07 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: NV

Complaint narrative:
Take note that I did not sign up for an account with XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first XXXX XXXX. I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX   ( Original Creditor : 11 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 non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hi, The attachment documents definitely don't verify the debt on documentation with Chase and it doesn't make sense. How can I settled the account on XX/XX/XXXX but it was charged off on XX/XX/XXXX. No way this can be validated method of verification or proof of required documentation. 

On XX/XX/XXXX i wrote to them this below ... .. 

Chase Credit Card Services Attn : Consumer Dispute XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX RE : Acct # XXXX it shows 30, 60, 90, repetitive 120-day and multiple KD statement which makes the report inaccurate and a violation. Please update accordingly or remove this account from my credit report. Your agency has " CO '' listed several times on my credit report which is a major violation of the FCRA. Also it shows 30, 60, 90, repetitive 120-day and multiple KD statement which makes the report inaccurate and a violation. Please update accordingly or remove this account from my credit report. 

Dear Manager : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 
Sincerely yours, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
By way of letter dated XX/XX/2019, Bank of America, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX, advised me that effective XX/XX/2019, my home equity line of credit would be assigned to XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX, XXXX, CO XXXX. As of today, XX/XX/2019, I have received no correspondence from XXXX XXXX XXXX. 

Bank of America has advised me that XXXX will establish a new loan account number for my loan. As of today I have no knowledge of that loan account number. My payment is due on XX/XX/2019.

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 2019-08-07 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: GA

Complaint narrative:
I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that are not mine. I have reached out to the FTC and to my local department. Please move them from my credit. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. There were also some inquiries that are not mine as well, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. I am doing this on my own behalf.

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 2019-08-07 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: AES/PHEAA
State: CA

Complaint narrative:
The year XXXX I was having issues paying my loan so I called my loan provider to put me on hold or what they call forbearance then during the month of XXXX and XXXX the loan provider did not change my status defaulting on my loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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: SC

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX  and 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 2019-08-07 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: GA

Complaint narrative:
I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I'm typically approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I reached out to the FTC and to my local police department. I need these items deleted from my credit report. XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX. Inquiries XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX I am doing all of this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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:
Take note that XXXX ( Original Creditor : XXXX XXXX  ) XXXX is not my collection. I do not owe this company, collection agency never contacted me to discuss about this alleged account. I did not sign up for an account with XXXX I do not have an acknowledgement with the original creditor, I did not sign up for an account with XXXX, Remove XXXX ( Original Creditor : XXXX XXXX  ) XXXX from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This company ran unauthorized credit inquiry on my credit report. Please remove asap as this is suspicious to me : 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 2019-08-07 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: SC

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX DBA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
On XX/XX/2019 I submitted a puchase dispute to Synchrony bank for 2 services both from XXXX XXXX XXXX one for {$420.00} and the other for {$530.00}. I told them I was not happy with the service provided and wanted to use my right not pay. The clinic called me and argued with me for god knows how long and did not want to make it right with me. I then get a dispute resolution letter stating my dispute had been researched and resolved but here I am still stuck paying for something I was not one bit happy with.

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 2019-08-07 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: NV

Complaint narrative:
Take note that XXXX ( Original Creditor : 11 XXXX ) XXXX is not my collection. I do not owe this company, collection agency never contacted me to discuss about this alleged account. I did not sign up for an account with XXXX. I do not have an acknowledgement with the original creditor, I did not sign up for an account with XXXX, Remove XXXX ( Original Creditor : 11 XXXX  ) XXXX from my credit 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 2019-08-07 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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