vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: MT

Complaint narrative:
on XX/XX/XXXX I received a loan in the amount of XXXX. I contacted them on XX/XX/XXXX to see if I could skip or do a lesser amount for my first payment. They denied that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed Inquiries that's on my Equifax report numerous of times but Equifax have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF Equifax have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and stopping me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: WI

Complaint narrative:
I set up a repayment plan through Primier Student loans center on XX/XX/2018. I set up autopay, and have been paying each month on time. The first 6 payments being {$220.00} a month and {$20.00} a month since. However, they have not made even 1 payment towards my student loans. My loan holder ( XXXX XXXX XXXX ) is now contacting me because loans are back in default and payments are now late. I have tried calling premier student loans, but they are currently not answering calls or e mails.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-29 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: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
XXXX XXXX is reporting that my account was turned over to a collection agency and they never once sent me a final bill. They came and picked up all of the equipment and I was told Id receive my final bill. I got a receipt for the equipment picked up by the XXXX representative and theres NO WAY that my bill is {$580.00}! It was less than {$360.00}. I have also attached the contact info of the XXXX representative that came on XX/XX/2019 and picked up the XXXX equipment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed Inquiries that's on my Experian report numerous of times but Experian have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF Experian have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and stopping me from getting a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX is reporting that my account was turned over to a collection agency and they never once sent me a final bill. They came and picked up all of the equipment and I was told Id receive my final bill. I got a receipt for the equipment picked up by the XXXX representative and theres NO WAY that my bill is {$580.00}! It was less than {$360.00}. I have also attached the contact info of the XXXX representative that came on XX/XX/2019 and picked up the XXXX equipment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: LA

Complaint narrative:
XXXX XXXX is reporting that my account was turned over to a collection agency and they never once sent me a final bill. They came and picked up all of the equipment and I was told Id receive my final bill. I got a receipt for the equipment picked up by the XXXX representative and theres NO WAY that my bill is {$580.00}! It was less than {$360.00}. I have also attached the contact info of the XXXX representative that came on XX/XX/2019 and picked up the XXXX equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was never on the account. The other negative items that was reported on my behalf has already been corrected. I only have a single inaccurate account. Please help me have this deleted. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TX

Complaint narrative:
Its been 8 months since i filled this complaint Below and Exquifax did not respone or fix problem the problem. 

.I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. Showing late on theses dates 1. XXXX XXXXXXXX XXXX Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX3.XXXX  XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 5. XXXX   XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
As i have stated previously, this account from DISCOVER FIN SVCS LLC as of XX/XX/2018 until now keeps showing up and demolishing my capabilities of life advances when i have shown and sent in Documents as result of Identity theft. Please Block, and eliminate this Fraudulent account from my reports especially on my XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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:
I have made numerous requests to remove all fraud alerts on my report so that I can obtain a loan and so that my reort can be accessed without a hassle. they have failed to remove the fraud alerts and my phone number that they have listed as a contact when the alert prevents a creditor from access is even incorrectly listed and the numbers are mixed up. 
I have submitted the information that they requested to do these things numerous times and it is on their record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: UT

Complaint narrative:
I have a Bankruptcy with no visible account number reporting on my credit that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file. It has already been removed off XXXX but the other bureaus won't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: RI

Complaint narrative:
I have two mortgage loans that are currently serviced by Specialized Loan Servicing company ( SLS ), who took over the loans from XXXX XXXX in XX/XX/XXXX. At the time of this transfer, both loans were in good standing, i.e. no defaults, late payments or other derogatory items. When my first statement came from SLS, there were " past due fees '' on both loans in the amount of {$6700.00} for one loan and {$7400.00} for the other. I called SLS in XX/XX/XXXX when my first payment was due to determine what happened. I was told that the past due amounts were a result of " attorney fees, foreclosure fees and overdue penalties ''. I have never been in foreclosure on this or any other property I own, and the only time an attorney was involved was at the closing when I purchased the property. I was told to contact SLS by email with my dispute, and that someone would be in touch to address it. I did so in XX/XX/XXXX. I received no response. In XX/XX/XXXX, I again contacted SLS by phone, and another representative told me he was taking down all the pertinent information and would pass it along to the appropriate department, and that I would hear from someone " soon ''. I heard nothing from SLS. I called again in XX/XX/XXXX, and was told that all complaints need to be submitted in writing - letter, not email. I sent a letter outlining these problems on XX/XX/XXXX, and it was received at SLS on XX/XX/XXXX. I received two letters from SLS dated XX/XX/XXXX indicating that my complaint was received, and that they would be in touch. I called SLS today and was told there are no updates and was unable to get any information on this issue whatsoever. The representative acknowledged that their response timeframe is typically 30 days ; however, we are well past that point now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
I am currently in Chapter XXXX bankruptcy and my student loan provider is refusing to give me credit toward public service student loan forgiveness because i am in bankruptcy. FedLoan refuses to discuss the issue with me and will only talk to my attorney. I can not be discriminated against due to being in bankruptcy. FedLoan is discriminating against me by refusing to give me credit toward public service student loan forgiveness credit. The Bunchanan Provisions state : The Debtor shall be allowed to seek enrollment in any applicable income-driven repayment ( IDR ) plan with the U. S. Department of Education and/or other student loan servicers, guarantors, etc. ( Collectively referred to hereafter as Ed ), without disqualification due to her bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: UT

Complaint narrative:
I have a Bankruptcy with no visible account number reporting on my credit that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file. It has already been removed off XXXX  but the other bureaus won't remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VT

Complaint narrative:
I received a concerning robo call stating that I was not responding to call or other attempts of contact and to call ( XXXX ) XXXX immediately. Also stating that they had contacted my employer. I immediately called the number and spoke to Miss XXXX at extension XXXX. She made me aware that it was a debt they were assigned to collect. When she stated the account and amount, I informed her that it had been paid through a previous collector. This was a debt that I was not aware of, thinking that the debt was paid in full years before. Unfortunately we had a fire in 2015 and I had no proof of payment so I set up 2 payments with XXXX XXXX and paid the debt in full. XXXX then sent me a letter stating that. Miss XXXX said she would note my file. I then received several more calls fo the same debt. Each time going over the same info that I gave Miss XXXX. The collector became belligerent. I asked several to remove my name from the call list because this debt was paid in full. At this time, the company started calling my elderly parents home and demanding information however they would not give my parents their info except for a telephone number. I told my parents not to worry that it had been taken care of.They telephoned my parents today, telling them that they were trying to serve a warrant for my arrest. My mom called me all upset. I then called the company and asked them to stop calling my parents and was told by XXXX XXXX at extension XXXX " Pay your debt and we'll leave them alone ''. I became angry and told them to loose both my number and my parents. I was hung up on. I called back again to speak to Miss XXXX and was transferred to XXXX XXXX who was also not very pleasant.She stated that I never paid the bill or it would not still show on their account. She then said I needed to pay them because she did not know who XXXX XXXX was and that they did not pay Household Finance the debt I had owed. I tried to fax a copy of my pay off letter but the fax number keeps stating error, I caled to request a mailing address to mail them a copy and I was told by XXXX XXXX that he des not trust me so would not release the mailing address. Any assistance your office can give is greatly appreciated. I do not want my parents contacted again. I do not have an address or email for this company. When I searched for them online, I could not find anything. I did a reversed number search and everything states that they are a scam, I have attached the letter stating that I am paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: LA

Complaint narrative:
On XX/XX/XXXX, I verified with all three reporting agencies my address, name, and that this XXXX XXXX was NOT mine. XXXX removed it on my XX/XX/XXXX credit report as well as 3 closed accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX because they were all paid off at 100 % in good standing. I sent copies of the payoffs and even my lease showing that the XXXX account was at a location at which I never lived. I was also a victim of the Equifax data breach. All of these things have been verified over and over. I am literally losing my patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In XX/XX/2019 I made payment in addition to my normal monthly payment. I included instructions with my payment. The instructions stated ( 1 ) the over payment was to be applied to 1, and only 1, of my several student loans ( 2 ) The payment was to be applied to outstanding interest and then principal ( 3 ) The payment due date of the loan was not to be advanced ( the entire payment was to be applied immediately and ( 4 ) if the servicer could not follow my instructions, then the payment was to be refunded. 

My payment was not applied correctly. Instead of paying down the loan, Navient advanced the payment due date, resulting in XXXX payment each month on the loan additional interest accumulating on the {$300.00} of the loan principal that was supposed to be payed down. I emailed and called Navient to try and correct the problem. Despite saying they would fix the issue, the loan due date keeps getting advanced. It is now XX/XX/XXXX and the issue is still now resolved and my money has not been returned pursuant to my instructions. 

I am afraid to make extra payments because Navient ignores my written instructions, keeping me in debt for as long as they can.

Company response to consumer: Closed with explanation