vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I dispute XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX account on my credit report. I am requesting that XXXX XXXX account is deleted off my credit report and credit file.

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 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
On XX/XX/2019 I got a alert on my credit report about a new account opened by Midwest Recovery Systems. I have never heard of this company nor have done business with them! Upon calling XXXX I found out this company is a collection agency. This company never contacted me to inform about a debt, where or what its from, or to give me an opportunity to dispute this debt. I dont know any information about this debt. This company has never made an attempt to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: IL

Complaint narrative:
My student loans were transferred to aes in XX/XX/XXXX. I have had nothing but problems since then. In the original documentation received about the change in company I was informed that if my payment fell during a grace period of transition then it would be debited after such grace period. However I logged in to find my student loan was shown overdue and received a letter stating I needed to make a payment. I called to explain this as I am in the ibr program and have been for years and also use direct debit for years. They stood fast and insisted I make a payment so I authorized a one time payment to avoid credit reporting. Then a week later I check my account to find that they deducted a second payment on their own. Now fast forward to XXXX and it is time for my annual recertification of income. I follow the instructions including authorizing my spouses student loans through fafsa website. Next I received a letter dated XX/XX/XXXX that my loan had been recalculated. But they only factored my personal loans and not those of my spouse. Attached is a second letter with instructions to once again authorize them to calculate using my spouse 's information. I find this strange but follow the instructions and call Aes again XX/XX/XXXX to state this was complete and to have them recalculate the payment using this information. Weeks go by with no response until I receive a letter dated XX/XX/XXXX that still shows the original payment amount when only factoring my student loans. Also this letter stated that I made payments ahead ( my XX/XX/XXXX payment ) and therefore I should only be responsible for paying the difference on my next payment. But instead the letter states they are going to take my entire payment amount instead. So once again they are going to double bill me for one payment. I called again today XX/XX/XXXX to try and get an explanation. The company is giving me nothing but a run around. Saying they have a note of my wife 's documentation complete but did not recalculate. Therefore they now want to recalculate my payment again. But in the mean time they assert that the initial payment amount which is incorrectly figured will be deducted on XX/XX/XXXX. I have been in ibr for 10 years now. And I have never seen this level of incompetence or intentional misleading in order to capture larger payment amounts than what should be or extra payments without justification. Please intervene. I fear from searches online that this is commonplace and I am not at all the only one dealing with these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 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: NY

Complaint narrative:
I contacted EQUIFAX regarding an account reported by them as late payment to correct it. Equifax never communicate back to me regarding the account. I contacted XXXX College been on record per Equifax, they report the late payment. XXXX College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX on behalf of all the school. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Equifax. XXXX College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX on behalf of XXXX  University of XXXX XXXX   under account number XXXX, which is also on file with EQUIFAX and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under the account number XXXX, and I made a payment of {$40.00} on XX/XX/19. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: IA

Complaint narrative:
XX/XX/XXXX I sent XXXX XX/XX/XXXX I sent XXXX XX/XX/XXXX and XX/XX/XXXX I sent XX/XX/XXXX which is my mortgage. XX/XX/XXXX they sent me paperwork to catch up payment saying I hasnt paid at all. They have put my partial payments into an acct and not towards my mortgage. I contacted them to ask for paperwork to catch up. They sent it I filled it out had till XX/XX/XXXX to send all paperwork. Which I did XX/XX/XXXX per email. XX/XX/XXXX I recieved paperwork saying I was denied cause I didnt send it. I called and left message of when I did per email. To no avail. I have applied to vet organizations for help. And have left message letting them know I need a current amount after what I paid is taken off. They have given me nothing or those organizations. I have left message telling them to take my escrow money to put it towards payments. Or send it to me and I will do it. They are also still making us pay taxes even though we are exempt. They know this the county sends them stuff and I have every month with my payment since XX/XX/XXXX of last year. There is over 5000 in that escrow because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: NJ

Complaint narrative:
I wouldnt think it would be a problem however look at the dating and what I referred to prior as self dealing by experience on the XX/XX/XXXX it dropped 56 points into in on the XX/XX/XXXX to the XX/XX/XXXX it dropped 26 points So in the span of two days I drop from XXXX or XXXX to XXXX The {$3.00} oversite /mistake cost me 70+ points in two days The minimum payment was expected to be {$72.00}. Plus the added {$41.00} for interest charged in 2018 looks like XXXX dollars in fees put me over the limit wow this doesnt look right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I closed the account on XX/XX/2018, but since that time till today, they haven't sent me any final bill to paid and keep charging me late fees and interested, even the account and closed. I did paid the amount in full.

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 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Before I start, I want to clarify that my complaint isn't related to any loan. However, I thought this was the category with the best fit. 

I purchased a car from XXXX XXXX XXXX on XX/XX/2017 with a cashier 's check from Citibank. The car dealership accidentally sent my car title to Citibank NA as they wrongly assumed I was financing my car through them. 

I'm now trying to obtain the title and the California DMV has told me that Citibank NA is the electronic lien title holder. I've tried to contact Citibank through multiple channels to request them to release the title ( as they're holding it by mistake ) and I've obtained no response so far. They tell me that they sold their car financing business years ago but they are listed as an XXXX  holder - otherwise the car dealership couldn't have sent the title to them. The situation is frustrating and pressing because I need to sell my car and I'm unable to due to the fact I don't have the title. 

Note that I've attached the following documents : - Letter from DMV stating that car title is held by Citibank NA - Sales contract proving that I paid the full amount with a check/cash ( {$18000.00} ) - Cashier 's check receipt from Citibank for the amount of {$18000.00} - Car 's registration card that proves that the car dealership incorrectly sent the car title to Citibank NA Car 's VIN : 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 2019-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have no knowledge of this account. When I called to agency collecting it, they provided a address that I have never lived at and said it is from a date of service from 2012. They had absolutely no information and I want it removed. Not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Was advised on XX/XX/19 that a higher up in executive management over the managers of escalation analysts would give me a call on XX/XX/19, in which I did not receive a call on XX/XX/19. I was called on XX/XX/19, missed the call and was not left a voice mail. On XX/XX/19, an escalations analyst called me when this was not the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: Social Finance, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I applied for a line of credit with SOFI. I was denied based on an XXXX  report that showed i had a credit score of XXXX and that there was an open collection on my account. 

I have been tracking my credit score and report for over the past year and I do not have an open collection and my score is over 730. 

I have tried contacting XXXX  to resolve but can not get connected to a person. The phone system keeps me inside a loop no matter what extension I press. I have included a 3 in 1 report i pulled today XX/XX/19 it clearly shows no collections and a credit score above XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I wouldnt think it would be a problem however look at the dating and what I referred to prior as self dealing by experience on the XX/XX/XXXX it dropped 56 points into in on the XX/XX/XXXX to the XX/XX/XXXX it dropped 26 points So in the span of two days I drop from XXXX or XXXX to XXXX The {$3.00} oversite /mistake cost me 70+ points in two days The minimum payment was expected to be {$72.00}. Plus the added {$41.00} for interest charged in 2018 looks like XXXX dollars in fees put me over the limit wow this doesnt look right

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 2019-01-16 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I took out this loan for my daughter, XXXX XXXX, who was the student. I am her father. She promised to repay me, and she has not. So I stuck with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Greetings I have initiated a dispute with Trans Union to remove unauthorized Inquiries they have failed to validated that I initated. I have asked and requested for Trans Union to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to Trans Union including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove. 

Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX  - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX  - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX/XXXX, XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX/XXXX  - Date Filed : XX/XX/XXXX 7 ) XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA 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 2019-01-16 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: Omega RMS, LLC
State: TX

Complaint narrative:
Omega RMS has yet to verify that I this balance is indeed mine. 

*Initially they reported the principle balance being : {$12000.00} *On XX/XX/XXXX they added interest and fees totaling : {$16000.00} *I filed a complaint and on XX/XX/XXXX they were removed from my XXXX  report *As of XX/XX/XXXX they are back on my XXXX report totaling : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Im referring to my navy federal credit union account ... .through overdraft protection service my account has had a balance of negative XXXX. I explained that I had to leave my job due to safety I sent in police reports and everything. It was confirmed through member services that I had until XX/XX/XXXX to clear the account before my account would be closed. I received a phone call from NFCU about 3 weeks ago saying my account would be closed in XXXX but when I referenced the letter I was sent saying XX/XX/XXXX th they confirmed once again that I had until then BEFORE my account would be closed. Well as of yesterday I was unable to see my checking information in the member portal and when I did call today to ask why I was told my account was closed yesterday and there was nothing they could do about it ... I begged and pleaded and assured that as I have promised before and through the whole time that I was not ignoring my debt but would take care of it by XX/XX/XXXX and they said they could not do anything about it ... I explained that I did not understand because two different people on two different dates had confirmed the XX/XX/XXXX date with me and they still failed to take action to help me .So this is why Im asking for your help because I didnt have to submit police records or give any information but I did in hopes that they would see my honesty and work with me which appeared they did but Im actuality they did not after two times confirmed in secured Member services and have closed my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: ME

Complaint narrative:
Received a call from XXXX, from XXXX, ME. I returned the call, and it is Halsted Financial, located in IL, and I was informed by the rep the call was made by a rerouted number. I was informed this account was acquired, and I instructed the acccount should have been placed in a hardship status, as I have a household member going through XXXX XXXX. Rep stated that does not matter, as this is a collection account, and it is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Business took payments early creating an overdraft on bank account that until today still trying to make my bank account positive.I know I owe them around {$500.00} which will get paid off as soon as I can..and Please They need to stop harrasing me with 5 phone calls per day and calling my employer Whenever I don't answer my cell phone is because I Can't.. I can not attend collector phone calls while on duty hours which is from XXXX  to XXXX  then go to my second job XXXX  to XXXX .Thank you for you understanding.!

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 2019-01-16 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I applied for a line of credit with XXXX. I was denied based on an experian report that showed i had a credit score of XXXX and that there was an open collection on my account. 

I have been tracking my credit score and report for over the past year and I do not have an open collection and my score is over 730. 

I have tried contacting experian to resolve but can not get connected to a person. The phone system keeps me inside a loop no matter what extension I press. I have included a 3 in 1 report i pulled today XX/XX/19 it clearly shows no collections and a credit score above 730

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