vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX  XXXX  XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX   XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX   XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX   XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX   Unauthorized and demand strict proof. XXXX XXXX XXXX   Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my  personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.

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 2020-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OR

Complaint narrative:
I recently refinanced my parent plus direct loan with mohela sofi. The feds have dropped the rates temporarily to 0 % and required all servicers to comply. However mohela sofi is not honoring this for any private loans that were refinanced from a fed loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian 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.

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 2020-03-25 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Account Name TDRCS/XXXX Account Number XXXX TDRCS/XXXX   Reported me 30 days late on XX/XX/XXXX and I was never late and I paid my account in full and satisfactory. I faxed letters to TDRCSXXXXXXXX  and XXXX  to be corrected and it still shows on my credit report. 

I submitted dispute to XXXX as NEVER LATE, ACCOUNT WAS PAID AS AGREED. Sent documents and they never fixed and just said it was investigated with no resolution. 

Date Opened XX/XX/XXXX Date closed : XX/XX/XXXX TDRCS/XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
When we initially opened our business checking account in XXXX this year at Bank of America , Bank of America offered a cash bonus of {$500.00} if we meet the following two requirements, as shown in the attached letter from Bank of America : Within 60 days of account opening, 1. Make qualifying deposits of at least {$20000.00} and, 2. Make ten qualifying electronic payments including debit card transactions. 

Within 60 days of account opening, we have satisfied both requirements. To date, Bank of America has not followed through with crediting our account with the {$500.00} cash bonus. 

We have contacted Bank of America on several occasions, to no avail.

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 monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have been paying on this account for 3-4 years and once I lost my employment, I contacted XXXX XXXX ( XXXX XXXX ) and informed them and they were not open to any agreement. No matter how many payments I made, they continously added on late fee payments. When I did make payments on the XXXX XXXX Website, the payments were not found on their website or missing. When I was unemployed they continued to add fees which made it even more difficult to continue paying off. I have paid the amount in full if not more. Midland purchased this account and are claiming I owe WAY above what I feel I owed. They have already started harrassing me with phone calls and threats to pay. I am currently working from home trying to maintain a job as my current company has shut down due to COVID19 fears. This is not the time to harrass people over paid debt when the ecoomy to trying to stay afloat. I've sent Midland communications to cease and desist on collecting and that I dispute the validity of the debt and all my communications have been ignored. They sent me communications with already threatening me to pay or they will put a negative mark on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: TX

Complaint narrative:
Requested LexisNexis report. They sent me a paper letter containing a web address and PIN. I went to the address and entered the PIN. The page reported that the PIN was invalid and said to call a phone number. I called the number and it wanted me to request anew report and start the process over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion 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.

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 2020-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau : I obtained my XXXX, TransUnion and XXXX  credit report on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the  ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. ( I have attached letters along with this letter ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX, TransUnion or XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  TransUnion 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.

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 2020-03-25 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: DISCOVER BANK
State: NY

Complaint narrative:
I was the victim of Identity Theft. When I was XXXX, and underage, multiple credit card accounts were opened in my name. With time, and lots of patience I have been able to resolve all these fraudulent accounts, and get them removed, as well as stop the fraudulent collection. Discover Credit Cards / Discover Financial Services has knowingly and willfully disregarded all attempts to resolve the fraudulent account opened in my name with them, and in contempt, has decided to fraudulently report a account that they have full knowledge of being opened in my name without authorization. 


They have also countered my dispute with the Credit Reporting Agencies ( XXXX  & XXXX  ) to remove the Identity Theft Reporting Block I AM legally entitled to under Federal Law. In addition, they have made attempts to collect on this debt that I do not owe. 

I am planning on pursuing extensive and substantial punitive damages against the company for their bad faith, and willful disregard for the law through my attorney, but I would also like the CFPB to investigate further. They need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Please Help! I had a XXXX XXXX loan. I had a deferment during the Recession, for a couple months. My loan was divided into 9 different loans, and was reduced to 2, with American Education Services. The original loan, was about {$38.00}, XXXX. When the loan was sold,! XXXX, XXXX, was added. I have basically paid approx. 435.00 a month, at the interest rate of 6.62 % for 20 years. 
That adds up to approx. {$100000.00}, is what I have PAID in total for 20 YEARS.. 
AES states, I still owe XXXX By their estimation, I have paid nothing. How can the Government allow, this? 
This is OUTRAGEOUS. I have paid in FULL, the original amount, and more, TWO times This loan has been paid. I am asking for it to be considered, PAID IN FULL. 
This is not Forgiveness. I PAID! I am not asking for anything free.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau : I obtained my Equifax, XXXX  and XXXX  credit report on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. ( I have attached letters along with this letter ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax, XXXX or XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau : I obtained my XXXX, XXXX  and Experian credit report on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. ( I have attached letters along with this letter ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX, XXXX or Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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 2020-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
After being approved for a modification on XX/XX/XXXX i attempted to make a payment online. I received a message stating unable to process online payment at this time. I received no confirmation number or email Since my payment was due i made a payment via PHH online. On XX/XX/XXXX the payment I attempted to make online was deducted from my checking account AFTER the website told me I could not. I attempted to call PHH to inform them. I was transferred all over for about an only to be disconnected twice. When I messaged them through XXXX I was told there were issues with the website and or the wording of they payment denial issues, and they would have someone from their escalation department call me. I also asked I asked for a refund i was informed they would have to mail me a check they were unable to refund to the how they payment was issued they could not say when but they would try to speed up the process I was refused the opportunity to speak to a manager. I then sent a check overnight to PHH for my mortgage thinking that would receive the other one back. PHH mortgage advised they receive many calls about this issue I was denied a contact number for there corporate office and could only be provided a mailing address or fax. 
On XX/XX/XXXX I discovered PHHs online system stored my information and put the transaction through instead of returning the payment as I was promised. I immediately stopped payment on the other check, and now they are harrassing me for it. 

They also claim Im behind on my payments despite repeated proof and they still deny it. They have ruined my credit by reporting late payments i was never late on because of their error. 

They also forged my fathers name on a mortgage document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Today XX/XX/2020 I XXXX XXXX called Exeter finance to try and push some payments towards the back of the loan due to the pandemic currently happening. Without any consideration my bank refused to put payment to the back of the loan and expects me to do payment plans when I dont have a job what so ever and my unemployment date isnt for another 12 weeks. Can someone please help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
Midwest recovery did not send me a letter regarding this with XXXX. This is over 4 years old and they can't try to collect or put it on my credit file and here they did without giving me a chance to dispute it. I don't think its right for them to treat people like this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a letter from my employer stating my wages are going to start being garnished by Midland Funding. ( Original Account XXXX ) This debt is at least 10 years old to my understanding it is considered time bared debt making it pass the statue of limitations. Currently my wages are being garnished for the last 2 months at 25 percent.

Company response to consumer: Closed with explanation