vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In regards to my complaint number XXXX, I haven't had the chance to respond. 
First, experian said that 2 of those account are not reporting at all, if so please clarify which 2 accounts, as I see 4 accounts reporting.

Second, based on the FCRA if one is a victim of fraud a CRA is then allowed " ONLY THEN '' to not only remove the fraudulent account but has a legal obligation to also BLOCK THE CREDITOR from reporting it!! 

Third, you mentioned you verified that it's accurate. We'll if so please describe what it is that you verified, and what's your description of Identity theft is? OF COURSE THESE CREDITORS RESPONDED WITH STATEMENTS SHOWING IT'S ACCURATE, AND I BELEIVE 100 % THAT THESE ACCOUNTS WERE REALLY OPENED ON MY NAME, ADDRESS, SOCIAL, AND DATE OF BIRTH!!!! 
WHAT DO YOU THINK THEFTS DO??? 

YOU THINK THEFT ARE THAT STUPID, AND YOU THINK BANKS ARE THAT STUPID TO OPEN AN ACCOUNT IF NOT ALL INFORMATION MATCHES. 

BASED ON THE FTC, 90 % OF PEOPLE FIND OUT THEY ARE VICTIMS OF IDENTITY THEFT MORE THAN A YEAR LATER. 

I WILL BE FILING A SEPARATE COMPLAINT REQUESTING PROOF OF THE 2 ADDRESSES WHICH ARE REPORTING IN MY REPORT AND HAS ABSOLUTELY NOTHING TO DO WITH ME. FURTHER WILL I INCLUDE IN THE COMPLAINT HOW YOU WERE ABLE TO GET 3 NAMES ON MY REPORT, AND I WILL ATTACH PROOF THAT YOU RESPONDED MORE THAN 30 DAYS LATER AMONG, OTHER VIOLATIONS.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: LA

Complaint narrative:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: GA

Complaint narrative:
There is an account with the original creditor being XXXX that was a fraudulent account that has been disputed several times this account is now being reported under XXXX XXXX as a collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
An account listed as XXXX, XXXX & XXXX is appearing as a collection on my credit file which is invalid as I've never received any notification from this company or handled business with this company. This is inaccurate information being listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX

Complaint narrative:
I, XXXX XXXX requested an itemized statement XX/XX/XXXX in my initial complaint. 

This request was made due to previous notice ( s ) sent by Habitat for Humanity affiliate office XXXX XXXX County. 

I would like to clarify my request : I, XXXX XXXX would like an itemized statement for my mortgage account. This statement would include all deposits, credits, debts and fees assessed to my account. This statement would include all payments made in chronological order. This statement would have a balance ending in the current actual balance of the account as it is to date. I would also like to clarify my request to include all payments made from my escrow account disbursement. 

On the document received dated XX/XX/XXXX payments made are incorrect, notably payments made during XX/XX/XXXX through XX/XX/XXXX. All payments made from XX/XX/XXXX to date have been made by check form whether cashiers or personal minus payment for XX/XX/XXXX. 

I do not see the deductions from Taxes or insurance. The escrow disbursement history shows only HOA payments. 

I would also like to state that I XXXX XXXX have fully and abundantly exercised all contact methods with Habitat for Humanity International, its affiliate office XXXX XXXX County, and their Legal Representative in the matters of my account prior to my initial complaint XX/XX/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 2018-04-23 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: FL

Complaint narrative:
Equifax is investigating a open complanent filed with CFPB. I feel since Equifax needs 60 days to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from Equifax report while being investigated unfair for this to be on my Equifax credit report when these charges were not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Have been always current with Capital one. 

Did carry a balance but it was at a promotional rate. 

Have made absolutely no new purchases or transactions for over 6 months. 

Without any notice or proper disclosure raised my minimum payment. 

Since it's on autopay ... 
resulted in late fees and loss of lower interest offer. 

In the past they changed my due date which caused me to be unintentionally late which Gives them the " right '' to charge more late fees and revoke low interest offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
After filing a complaint against National Enterprise Systems ( NES ). I proceeded to call the us department of education on the suggestion of XXXX XXXX, XXXX and NES. The us department of education agreed that the loans in question don't match my information other than the Social security number. I explained that i had ID fraud twice in the past 20 years. 
All my loans for my education have been accounted for with the US Department of Education for the years i went to school. XXXX XXXX College, XXXX ( XXXX ) & XXXX ( XXXX ). The school, the name, the year and the address do not match y name or address for those years. The loan for XXXX is under XXXX. I didn't meet XXXX until XXXX and we married in XXXX how could i have his last name in XXXX. My address in XXXX was : XXXX XXXX XXXX XXXX XXXX, Ca XXXX I called NES back to share the information and then the lady began to lie and twist things around. so now the story at NES has changed again. Then she began harrassing me and trying to force me to say that i am voluntarily double paying on this loan. I am not, they are forcing me and they are taking more than the contract agreement. 
They have deceived me twice.

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 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
In XXXX 2017 I went to the emergency room and provided my health insurance information to cover any charges due. I had XXXX XXXXXXXX at the time and assumed the costs were covered. XXXX XXXXXXXX denied my coverage initially, as they had done with thousands of other claims throughout the state, citing that they were backed up and unable to process the payments in time for each claim. The hospital placed the debt for collection with Transworld Systems with an internal account number of XXXX. Transworld reported the unpaid balance to various consumer credit reporting agencies, such as XXXX, stating that I owed the debt and the delay in payment was attributable to me, personally. 

Roughly 6 months later, XXXX XXXXXXXX paid the claim and the balance was updated to reflect a {$0.00} balance owed. However, Transworld did not request deletion of its tradeline, even though any delinquency was directly and only caused by XXXX XXXXXXXX, not by myself, and it was not something reasonably within my power to change. 

I have disputed the information as inaccurate to XXXX and XXXX, and explained I was covered under XXXX XXXXXXXX at the time, and any delay in payment was the result of errors or omissions by XXXX XXXXXXXX, but Transworld verified its reported information as accurate and told the credit agencies to continue to report the debt as one in which I was personally liable. The fact it  reports paid does nothing for me, since the very presence of the collection tradeline harms my score. In situations where payment problems are the result of insurance delays, my understanding is most debt collection companies will request deletion. 

Since this was not my fault, it is not fair that my personal credit scores are being harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I provide consulting services and get paid via credit card. 
Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. 
So I wasclearly instructed not to give any card or banking information. 
I was told to take the company banking info for payment with a written authorisation to process the payments. 
I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. 
I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit. 
I don't know what else to do. Thank you for your attention to this matter

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 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hospital Services, Inc.
State: ND

Complaint narrative:
Hospital Services Inc. has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: OH

Complaint narrative:
The amount for my loan has increased, which to me makes no sense this has never happened before and I have been making payments on time every month for the past year. I have previously been placed on a wage garnishment which was supposed to be because they were not receiving a XXXX $ monthly payment, if it wasn't the payment then it was paperwork. I also had made payments to a company who told me that they could help avoid the garnishment and get me on the right track which turned out to be a lie. ( wasted money, time, effort, and personal information ). My original loan amount was XXXX and that tripled to XXXX which i had gotten down to XXXX but is now back up to XXXX and I have never owed that much in student loans. I have yet to receive paperwork on how Navient is charging me interest, which as i said has never before happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
For the past ten years, I've made the biggest mistake of ever attending XXXX   due to a suggestion of going there to finish my XXXX  and get an XXXX XXXX degree. I attended one semester, and realized that the school wasn't true to it's mission when I was forced to take out student loan after student loan, while taking classes that had nothing to do with what I wanted to major.

I left XXXX  one semester after, and transferred to a XXXX  college. XXXX had other plans to damage me unfortunately. I couldn't get any credits transferred to a XXXX XXXX college I went to, so I started from the beginning. No sweat, only one semester of work but still was some good core classes. The loan providers of XXXX wanted to start taking money out of me, threatening me with all sorts of actions. This forced me to take a break from school to work and make some money to repay that.

The final coffin was transferring to a four year, because after I submit my application, I was left in limbo with no words or anything. Was told to re-apply a year later, a ton of fake excuses, and all this while still XXXX 's many loans wanted to linger and damage me even more.

HESC ( where my loan currently is ) has tried plenty of times to garnish my wages, to have me pay MUCH more than what I can even currently budget for. Refuses to ever work with me, and pretty much has destroyed every aspect of my life credit/money wise.

All this while I just heard that XXXX closed it's doors, yet I'm stuck paying so much money cause the school claims I was there for a full year which is a huge lie.

I really don't know what to expect from this, I've pretty much given up. But it still leaves a huge bad taste in my mouth knowing I never had a traditionally college experience due to my mis-education while trying to receive an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: MI

Complaint narrative:
I do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report.

The account was opened XX/XX/2017. 
Company : XXXX XXXX : {$1400.00}

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 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Credit Services, LLC
State: IN

Complaint narrative:
XXXX XXXX is attempting to collect on a debt from the original creditor XXXX XXXX. I never signed for up for XXXX XXXX in my name. XXXX XXXX has been collecting for such a long time, that I went ahead and added this to my Bankruptcy, docket # XXXX. They are reporting a balance, and that is in violation of the Bankruptcy law and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ID

Complaint narrative:
Was doing a yearly credit check on XX/XX/XXXX, and found a loan taken out with cash central XX/XX/XXXX for {$3000.00} with an ending date of XX/XX/XXXX for {$4200.00}. I have never taken a loan out with this company. I called cash central, or community choice financial and told them this. They told me the loan was taken out online, and would not give me anymore information on the loan, and told me I need to file police report and send all that information off to them. I never applied for a loan thru them. They never contacted me about the loan thru the mail or by calling me. It just shows up on my credit report. 
This company needs to be shut down with all the fraud and complaints on line about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: NATIONSTAR MORTGAGE LLC
State: MS

Complaint narrative:
Nationstar mortgage company known now as Cooper nationstar have foreclosure on my credit report and I never went through foreclosure with Nationstar between the year XX/XX/XXXX and XX/XX/XXXX. I was going through a shortsale process and the next thing the realtor/broker and I knew the building was sold without us knowing. I didn't worry about it I just wanted out but in XX/XX/XXXX I saw Cooper Nationstar had a foreclosure on my credit report and when I tried talking to them the would say they are working on it. I lost out on the house I was trying to purchase the lender for the house I was trying to get reached out to Nationstar and they stated it looked like a short sale but wasn't sure and they told lender he would have to talk to their lawyer. I lost out on the house and I lost about {$3000.00} trying to purchase the house. I don't know what they did but the transaction on selling the building without me knowing didn't seem right and I should not have a foreclosure on my credit. The information was not accurate in any way at all. I had no Ideal this was on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In regards to my complaint number XXXX, I haven't had the chance to respond. 

First, experian said that 2 of those account are not reporting at all, if so please clarify which 2 accounts, as I see 4 accounts reporting.

Second, based on the FCRA if one is a victim of fraud a CRA is then allowed " ONLY THEN '' to not only remove the fraudulent account but has a legal obligation to also BLOCK THE CREDITOR from reporting it!!

Third, you mentioned you verified that it's accurate. We'll if so please describe what it is that you verified, and what's your description of Identity theft is? OF COURSE THESE CREDITORS RESPONDED WITH STATEMENTS SHOWING IT'S ACCURATE, AND I BELEIVE 100 % THAT THESE ACCOUNTS WERE REALLY OPENED ON MY NAME, ADDRESS, SOCIAL, AND DATE OF BIRTH!!!! 
WHAT DO YOU THINK THEFTS DO??? 

YOU THINK THEFT ARE THAT STUPID, AND YOU THINK BANKS ARE THAT STUPID TO OPEN AN ACCOUNT IF NOT ALL INFORMATION MATCHES. 

BASED ON THE FTC, 90 % OF PEOPLE FIND OUT THEY ARE VICTIMS OF IDENTITY THEFT MORE THAN A YEAR LATER. 

I WILL BE FILING A SEPARATE COMPLAINT REQUESTING PROOF OF THE 2 ADDRESSES WHICH ARE REPORTING IN MY REPORT AND HAS ABSOLUTELY NOTHING TO DO WITH ME. FURTHER WILL I INCLUDE IN THE COMPLAINT HOW YOU WERE ABLE TO GET 3 NAMES ON MY REPORT, AND I WILL ATTACH PROOF THAT YOU RESPONDED MORE THAN 30 DAYS LATER AMONG, OTHER VIOLATIONS.

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 2018-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Has been ongoing for 8+ years. I am working at a minimum wage job, checks are already garnished from other student loans.Unfortunately, I have not kep track of everything that has gone one.

This one is different because they are going after my XXXX XXXX XXXX grandma and threatening to everything they can to get money. My mother has been called repeatedly and she is having to block numbers. To-date, 63 different numbers from Navient alone. 

Navient is sending registered letters as well as calling my Grandmother approximately 6 times a day. 

I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filled Bankruptcy on XX/XX/XXXX, because I had no other option. I was XXXXXXXX XXXX  from the XXXX XX/XX/XXXX. I am XXXX  % XXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also XXXX is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. XXXX is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXXXXXX XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession,  Pay Payment StatusRepossession

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