vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: AES/PHEAA
State: TN

Complaint narrative:
Dear Sir/Madam, I am writing to you regarding my student loan balance with American Educational Services ( AES ). During my undergraduate studies, I borrowed from the lender {$9600.00} to pay for tuition and other school related expenses. After graduating in XXXX of XXXX with my degree, I begun making monthly payments to AES starting with my very first payment of {$90.00} on XX/XX/XXXX. In the last 10 years I have made 126 payments in the total amount of {$11000.00}. Today, I only owe {$9200.00}. For the past 4 months I have stopped making these monthly payments as I sought to understand how, after a decade of payments, I have only been able to pay down my debt by less than {$400.00}. I was advised by AES that to receive a response I would need to mail them a letter describing my request. My first letter was sent in early XXXX of XXXX and I have not heard back from anyone to my original letter or those thereafter. In total I have sent 4 letters address to AES and the Office of Consumer Advisory, both located in XXXX, XXXX During this time however they did report my delinquency to the credit agencies which has negatively impacted my credit score. My recent statement notes that my score has declined from a range of XXXX down to XXXX, depending on credit reporting agency. While this is not material to this particular matter it does illustrate the point that I have been a responsible consumer who has always paid their debt as well as the significant impact this has on my future credit worthiness. I have already paid back more than I have borrowed and have not been able to understand from anyone how after 10 years of payments my debt has practically not moved at all. There seems no incentive to continue making these payments for another 10, 20, 30, or potentially 40 years just for them to remain at the same amount as borrowed. I borrowed {$9600.00} with the understanding that I would have to pay that amount back with interest. I firmly believe that after {$11000.00} and 10 years of this financial and mental burden my balance should have decreased by more than {$360.00}. I seek to understand how much of the {$11000.00} should be applied to principal and I wish to settle my debt with AES by paying off the difference between my original balance of {$9600.00} and that principal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
I have contact your company Trans Union and the reporting company with no help. XXXX  and XXXX have removed this information my credit reports but some reason TransUnion Is not responding to fix this matter. This account listed below does not belong to me I've contact XXXX I dont not nor have I ever had an account with this company. also there are Hard Inquiries that I did not authorize please have Trans Union remove them right now. 

Account XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX names XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX w 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 2021-04-20 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: FL

Complaint narrative:
I have sent norms letter and file more then one complaint both XXXX and XXXX have removed this incorrect information from my credit but Experian has yet to answer. 

XXXX XXXX XXXX is not company that belongs to me and this should been removed from my credit report months if not over a year ago. 


Also this Hard Inquire still remains on my report 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 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: NJ

Complaint narrative:
On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with CAPITAL MANAGEMENT SERVICES LLP.

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 2021-04-20 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:
My credit file is still reporting inaccurate and erroneous information. I contacted all 3 major bureaus to remove the disputed account and its still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: TX

Complaint narrative:
My credit file is still reporting inaccurate and erroneous information. I contacted all 3 major bureaus to remove the disputed account and its still reporting.

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 2021-04-20 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: FL

Complaint narrative:
I recently went through a divorce and I recently pulled my credit report through a website called XXXX. I saw a handful of accounts on my credit report without my knowledge. I am a victim of identity theft. I contacted transunion, XXXX and XXXX  regarding these accounts and I was told to get an FTC report. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license.

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 2021-04-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this complaint because Equifax has not completed an investigation or have failed to communicate back any status of an investigation with me since my dispute submission. On XX/XX/XXXX I sent a letter disputing inaccurate items found my credit report as well as a notarized id letter my driver license and bank statement. I never havent heard anything at all from XXXX. I understand with covid things may be a little backed up, but we are now over 40 days since my request, and I havent heard a thing. I even sent a Follow up letter on XX/XX/XXXX. I am now involving the CFPB because it now seems you are neglecting a dispute and is against the FCRA. You had legally required time of 30 days. I submitted a CFPB response on XX/XX/XXXX and received a response on XXXX saying a investigation is being completed. this is taking to long Please deleted these inaccurate items from my report. Attached is a copy of everything I have sent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohls/Capital One is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Kohls report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Kohls please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
The debts have been paid off to Caine and Wiener Company Inc Last XX/XX/2020 but still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
Ive contacted Equifax over the past 2 years complaining about this wrong information that is reporting on my credit report. 

name XXXX XXXX address XXXX XXXX XXXX tn XXXX XXXX XXXX XXXX il XXXX accounts XXXX XXXX Hard Inquiries XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay servicing stole my house in 2016. They forged documents and stole it and auctioned it off. My family is homeless from it as I had over {$200000.00} of equity in it. And you sued them for over a million dollars. Where and who does that money go to? They scammed us and California let them. Can I get my money they stole in equity from you? The falsified everything. There is no limitation on fraudulent and illegal evictions. Nothing about it was legal. And I get no help from you when it was happening only to find out they were sued a year after this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello. I am writing this complaint because Equifax has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was onXX/XX/XXXX. I wanted to involve the CFPB because its now been almost 2 months and I do not want my disputes neglected. This is taking way to long. Please deleted these inaccurate items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
I paid XXXX for foreclosure help..The attorney that was assisting me ..never filed anything with my loan service..and now Im going 2 lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: WA

Complaint narrative:
I recieved some deed of ownership from XXXX XXXX XXXX XXXX and then I submitted something with you Now I recieved this and what looks familure is /s/ and d/b/a

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 2021-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: OK

Complaint narrative:
CrossCountry Mortgage is listed as an approved lender for my states grant program. When I questioned them about the program, however, their response was as follows : " Cross Country as a company is an approved lender. However Cross Country only allows each state to offer one Down Payment Assistance program. Cross Country in Oklahoma opted to go with the REI program over the XXXX program. I can see how youd think that but I can assure maam we are not allowed to offer XXXX here ''.

It's confusing to me that they are an approved lender, but they will not help you do a grant through the state. This feels like a practice that would impact lower-income individuals especially. At one point they even offered me more towards my closing ( though significantly less than what the grant would have ) as long as I did not try to receive assistance, this also felt slightly predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: IN

Complaint narrative:
Reliant Solutions are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX  nor Reliant Solutions have verified the debt. Reliant Solutions have stated that this would not be on my credit report however has of XX/XX/13 it has shown on all 3 bureaus as a collection debt. I do not owe and have not been shown that I do owe. I have repeated asked to verify and never has it been verified. They state that will speak with XXXX XXXX XXXX but no validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I keep disputing with Portfolio Recovery Associates telling them that the debt isnt mines for a few years and they keep trying to tell me that the debt is mines because of old statements from the creditor. I explained to them in numerous letters that they can not validate this debt with old bills to please send me written proof with my signature on it. They refuse to do as I ask them and ignore what Im saying and continue to send the old bills to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am submitting this complaint due to no communication regarding a status on a investigation from Equifax. I wrote Equifax on XX/XX/2021 about 4 inaccurate items on my credit report. I provided everything they needed for a investigation and again I am supplying it her in this complaint. In the beginning of XXXX I was told after going through the verification over the phone that my disputes have been received but could not tell me whats going on expect its in progress so I sent another letter on XX/XX/2021 to see if I can get a response in writing. It is now XX/XX/2021 almost 2 months since my first complaint and still nothing. It's been 2months since my first request and this company keeps reporting inaccurate information in my credit report. This is taking way to long and effecting me in more ways than one. please delete these inaccurate items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times.

Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
>>>DEBT PARKING<<< Southwest credit consumer care. XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
This is the 3rd time ( I have physical proof ) this Company has illegal Parked Debt on my name. The Alleged Debt that has been PROVEN not to be mine. The Alleged Debt Has Been removed off my credit report TWICE BY THE SAME COMPANY. also has been reset by a date and a single {$1.00} Three times in an attempt to SCAM me again! I am seeking Legal counsel as they seem to be Predatoryly Parking Debt that is NOT mine on my name. My phone number is accurate on my credit report and adress is up to date and they never attempt to call or mail me anything. They Continue to Aggressively Debt park things that ate NOT on my name. Please make this illegal Scam stop. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
On XX/XX/XXXX, SLS advised, and then XX/XX/XXXX, SLS " corrected '' a historical servicing document ( back-dating its document to XXXX ) despite not being the servicer for several years. Then, SLS refuses to provide rationale or documents, as they are not the servicer.

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 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Starting back in XXXX of this year unauthorized money was taking from my account withdraws and atm use. Up to and now over XXXX dollars has been taking. PNC was contacted by phone and in person many times about this problem and nothing was done about it I also contacted the police department with this problem. I was told by PNC that they find no unauthorized transactions. Which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021 I sent a letter to capital one request copies of all records relating to the accounts. I also sent an identity theft affidavit and a copy of my FTC Report. I sent this letter out certified for {$4.00}. With copies of my ID and social security number as well. Capital One responded with a letter stating I didnt send in enough information and they werent taking any action.

Company response to consumer: Closed with non-monetary relief