vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I received the loan in  XXXX  and it has been sold several times, from  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX  and no w Naviet, a nd the loans went from  Stafford t o private without me knowing, they have gone from subsidized to unsubsidized without any explanation. On the Navient website they have several loans that I am not familiar with and I feel that my loan has been paid off several times but each time it has been sold the bank adds fees to it which includes interest payments without my knowledge, I feel that this loan has been going on for to many years and bouncing around without my knowledge and I only had it in forbearance  one  time and they still continued to add fees. The history of my loan going from here to there without my knowledge with numerous interest and added fees is n't fair to me. A loan that was {$23000.00} went to  XXXX  and I have been paying on my loan since   XXXX   none stop and now I owe  XXXX  and I feel that these financial institutions owe me a refund for over paying them over the years. Please resolve this problem and refund my money and also the credits could n't be transferred to any other college so I feel that I paid all of that money for an education and none of the credits will go towards a  XXXX   XXXX  so I did n't bother attending college for a higher degree because I would of had to start over from the beginning. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I received a  XXXX  form dated for   XXXX   from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   accoun t ( credit card ).  I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00 } ( this is not correct and is severely damaging my credit reports and credit scores ). I de mand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting 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 non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I received a XXXX form dated for XXXX from XXXX XXXX XXXX, XXXX. in regards a XXXX XXXX XXXX account ( credit card ). I have sent numerous letters all three credit bureaus and to XXXX XXXX XXXX asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now, XX/XX/XXXX my credit report still shows a balance owed of {$17000.00} ( this is not correct and is severely damaging my credit reports and credit scores ). I demand action and my credit report be updated immediately. I also want a letter from XXXX XXXX XXXX XXXX XXXX  N.A. stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting 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 non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I received a  XXXX  form dated for  XXXX  from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   account  ( cre dit card ). I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00}  ( this is not correct and is severely damaging my credit reports and credit scores ). I  demand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 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: DISCOVER BANK
State: NC

Complaint narrative:
Discorver Card repo rted on my credit report that the first major delinquency was on   XXXX   XXXX   The problem is I filed   XXXX   XXXX   bankruptcy prior to  Discover Card reporting the delinquency to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On Monday   XXXX   XXXX   XXXX    , around  XXXX  Central Time, I called Equifax to request the removal of all dispute comments on my Consumer Report. In addition to this request, I also wanted to inquire about having a certain account removed from my report as well. After speaking to both   XXXX   and   XXXX   last week, it was brought to my attention by their customer service teams that this account met " certain criteria '' for immediate removal from my report, and they went ahead and removed it. The customer service member with Equifax told me that they could not remove this account and that it would be scheduled to be removed in   XXXX   XXXX    . I explained that both   XXXX   and  XXXX  said the account met " certain criteria  '' ( which they did n't specify to me ), a nd were able to remove it. However, the  Equifax CS r ep just kept repeating the scheduled removal date with no further investigation on her part. I asked her to transfer me to  a Supervisor, which  she did. I, again, explained the situation to the Equifa x CS Supervisor, and she proceeded to repeat the same scheduled removal date as the CS rep. She then stated that she apologized if the " other  XXXX  bu reaus '' were able to remove the account but that Equifax does not do early removals.     My biggest issue here is that I was n't necessarily just asking for an " early removal '' of an item for the sake of having it removed. I was asking for her to review the account and see if it met any criteria at Equifax that would prompt the immediate removal of the account. This could be due to an error in the way the item was reported, an error in the information provided by the creditor to Equifax, or some other Equifax specific ( unknown to a consumer like me ) qualification for removal ... however, no one there seemed to understand this, nor seemed to want to even check their sources. They just wanted to tell me, " No. '' It makes NO sense that  XXXX  of the  XXXX  major bureaus could remove this account, but Equifax can not. This is gross negligent handling of my personal credit profile and they are holding my credit sco re hostage by pu rposefully not removing an account that should no longer be visible on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target denied my application for credit card. They send me a letter saying they had denied it but they did n't give me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: WY

Complaint narrative:
I am filing this complaint because Equifax delete d SEVERAL a ccounts from my credit profile per my last dispute, and after checking my account today, those accounts that have been flagged as " This item has been deleted from the credit file '' still remain. I am attaching a copy of the investigation results that notate EVERY account that needs to be, and should be deleted IMMEDIATELY!   Per FC RA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ],   Requirements relating to reinstatement of previously deleted material.   Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to sub-paragraph ( A ), the information  may not   reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   If any information that has been deleted from a consumer 's file pursuant to sub-paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5 b usiness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under claus e ( ii ), a co nsumer reporting agency shall provide to a consumer in writing no later   than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I am a   XXXX   XXXX    XXXX  patient currently undergoing several  XXXX  and  XXXX   XXXX . I have been off work o n disability a nd received some funds from taxes and offered to pay 40 % of this debt as I have obviously a lot of bills with  XXXX . The debt was way below this and I 'm sure this agency paid very little for the debt. They refuse to help me with my hardship. I do n't believe they should be able to continue to add fees, harass or collect on a debt of such a sick person. I am hoping you can help intervene so I can stop worrying about being sued and harassed. I wish they would accept an amicable agreement

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 2017-04-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I called Comenity bank New york and company and gave them the opportunity to correct an error. I spoke to  XXXX  and she refused to remove a late payment that was recently reported for late payment in  XXXX    XXXX  . This is a violation of the  XXXX  bankruptcy code and my right under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are :   XXXX   XXXX   XXXX   XXXX   The illegal, fraudulent inquiries that are not covered by fair use are :    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   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  ,   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

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 2017-04-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are : AMALGAMATED BANK OF, FINGERHUT/WEBBANK The illegal, fraudulent inquiries that are not covered by fair use are :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  BANK  XXXX   XXXX   XXXX ,   XXXX   &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX  ,  XXXX  BANK  XXXX ,  XXXX .  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX ,   XXXX  , &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX , BEST B  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  BANK  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  CRED  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  BANK  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

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a GA tax lien on my credit report since  XXXX  in the amount of {$1400.00} that has been paid a nd satisfied.I requested for t he lien to be removed from all  XXXX  credit bureau agen cies. ( E quifax,  XXXX  and  XXXX   ) b ut has not bee n done.The GA State tax said they do not report to credit burea u and  XXXX  GA  Superior court sai d they do not also. I tried to pull my name up on   XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.   This is affecting my credit score significantly and I desperately need help getting this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Schreiber Law Firm, PLLC
State: TX

Complaint narrative:
i had filed bankruptcy. and this account was included in.  AMG Financial Services c ontacted me and threat me with legal action against me.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PHH Mortgage Services Corporation
State: UT

Complaint narrative:
PHH Mort gage was included in my Chapter  XXXX  Bankruptcy which was discharged   XX/XX/XXXX ..  In   XXXX   XXXX     that mortgage company decided to do a NEW update of the  DLA date  and put a new charge off update. BY LAW THEY ARE NOT TO CONTINUE TO DAMAGE CREDIT AFTER A  DISCHARGED B ANKRUPTCY ... Why after 6 years would they randomly do an update? But it has caused me to lose my financing and earnest money on a property which I WILL hire an attorney to go after them if they do not fix this issue!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This is ridiculous and against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
When I started going to college to become a  XXXX ,    debt counseling w as not something anyone talked to me about. I began taking out student loans to become a  XXXX , not realizing my profession did not match what my student loans payments would be. At the time, I was a single mother. My student loans were accrued before I got married.   I  XXXX , taking out more student loans to get a  XXXX   XXXX   XXXX . Again, with no credit counseling. When I   XXXX    XXXX , I had about {$60000.00} in student loans. My payment was around {$420.00} per month. My starting salary as a  XXXX  was {$27000.00}. I did my best to make payments, but then had some health issues. I called and was told to apply for a forbearance.   Over the course of 10 years, I was encouraged to take out several forbearance requests, putting my loan currently at {$77000.00}. In the summer of   XXXX  , I called  Navient requesting a  reasonable payment and was denied. They told me to apply for the   XXXX   forgiveness program and consolidate my loans. I was also told to apply for consolidation. I tried all of those options, and because I 'm married, my IBR option was {$800.00} per month. That is almost a whole paycheck for my family!   I would like to start paying on my student loans with a reasonable payment. I indicated thi s to Navient l ast summer. The payment they are requesting is unreasonable. I have thought about making payments less than what they are asking, but read it will ruin my credit and force me into default. So, my only option so far has been to continue to put my loan into forbearance. Being married has actually hurt my payment options. So, do I need to get a divorce and be a single parent to get a reasonable payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: FL

Complaint narrative:
Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are :   XXXX   XXXX   XXXX   XXXX   The illegal, fraudulent inquiries that are not covered by fair use are :    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   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  ,   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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 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: NC

Complaint narrative:
XXXX   XXXX  reported on my credit report that the first major delinquency was on  XXXX    XXXX  . The problem is I filed Chapter  XXXX  bankruptcy prior to  XXXX   XXXX  reporting the delinquency to the credit bureau.

Company response to consumer: Closed with explanation