vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 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: NJ

Complaint narrative:
Both XXXX AND Equifax but even more so XXXX since they are assessing me a fraudulent insufficient rating in my opinion have kept a 20+ year old student loan that was intiated when I was about " XXXX years old '' at a hair dressing school for which I was NEVER given loan information, counseling nor ever had it properly explained to me. I was NEVER even told the amount being borrowed in my name NOR given any documentation at the time. The loan was taken out by " then owner '' of XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. I " believe '' by the former owner XXXX XXXX or XXXX or one of his appointments handlers at the school at that time ( circa XX/XX/XXXX ). 

Both XXXX AND Equifax have had this single loan listed NOT ONCE but " 3 '' times on my credit report! This should be illegal!!! I only ever had the 1 as mentioned " fraudulently obtained '' loan 20 years ago ; which furthermore it was a trade school & I was unable to finish & only attended a few months " part time '' no less & as a result returned all of the equipment & books & materials given to me when I first enrolled. A clerk at the school assured me that ANY loans taken by the school in my name would be canceled out! CLEARLY ... I discovered to my HORROR that this was a LIE! Not only was it never canceled out ; it was reported as delinquent some years later for which I " hand wrote '' letters of dispute to the Big 3 Credits Bureaus at the time. Not only has the loan not been removed from my credit history it is, as mentioned reported on my XXXX XXXX account as " 3 closed & unpaid student accounts ''! This is a fraudulent account & I have been victimized by this single situation almost 20 years now! I've been denied jobs, apartments, credit cards, personal loans ALL because of this singular false accounting which is listed as 3 by both XXXX & Equifax! This is a long time abuse upon me as a citizen in this country, especially since, I have NEVER had a single credit card, personal loan or mortgage yet to this day at almost age XXXX & being refused things like shelter and employment based on a fault credit history is an absolute disgrace & needs to be addressed immediately! PLEASE MAKE THEM FIX THIS!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The mortgage company returned {$1200.00} around XX/XX/18, stating that it was due to partial payment. I then sent {$2100.00} to Wells Fargo on XX/XX/XXXX, delivered XX/XX/XXXX Via on-line banking and it was returned electronically to my bank XX/XX/18 {$1100.00} XXXX  XXXX XXXX and {$1000.00} to XXXX XXXX XXXX XXXX XXXX. I then sent {$2000.00} via on-line banking on XX/XX/2018. So far that has not been returned but I received a statement overdue payments are from XX/XX/18-XX/XX/18. Attached are all the payments that I have made for 24 months which includes the dates in question. I am now receiving communications from law firms regarding a sale of my property and a phone call from a gentleman ( XXXX XXXX on XX/XX/18 who wants to give me papers from the XXXX XXXX XXXX office ( voicemail was left ). I have not received any correspondence regarding the official sale of property.

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 2018-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
1. I applied for consolidation with Navient on XX/XX/XXXX. In the instructions for completing loan application and the Loan Application and Promissory, it explicitly states : under Borrower Understandings, Certifications, and Authorizations that " applying for a Direct Consolidation Loan and The U.S. Dept. of Education ( ED ) will provide me with the deadline by which I must notify ED if I want to cancel the Direct Consolidation Loan '' I was never notified of the deadline, Navient can not provide me with a copy of this notice. This has been going on for over two years. To further support, I have copies of letters from Navient to me stating " we are please to have been selected by the US Dept. of Education to service your student loans. '' The loans are listed with interest rates but the new interest rate is not specified, nor are the words loan consolidation. These letters are dated XX/XX/XXXX, the same date as the Consolidation Application. Then, 2. Also dated XX/XX/XXXX, I get a letter regarding repayment options, there is no Revised Pay as you Earn ( REPAYE ) offered in that letter. 
3. In a letter from Navient on XX/XX/XXXX, they make several allegations that do not comply with their own documentation. They say I had 10 days to cancel the Loan Summary Letter. There is no 10 day cancellation notification in this or any other letter dated XX/XX/XXXX because there is no letter on that date. Letters were dated XX/XX/XXXX and make no mention of cancellation or he new interest rate. 
4. Within months of the consolidation, the amount of the loan ballooned from {$48000.00} to over {$60000.00} and Navient laughed over the phone and couldn't explain why. 
To recap 1. Navient consolidated the loans without my permission and they repeatedly lied about documentation notifying me of cancellation. I have documentation to back everything up.

2. They never offered the REPAYE. And they lied about dates it was offered.

3. They refused to unconsolidate the loans and pretty much said there was nothing they could do.

4. They can not explain the exhorbitant interest rates applied to the loan that increased the debt by {$12000.00} in a matter of months 5. It has been 2-1/2 years and I am still looking for answers. I have exhausted and tried all avenues and no matter what I say, do or show, logic and common sense does not seem to prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have requested multiple times to Navient for documentation proving that they own my ex-stepdaughters loan, and also proof that I co-signed for that loan. 
I have not received any of the information that I have requested. The first request was over two ( 2 ) months ago. 
The phone harrassment also continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: TX

Complaint narrative:
For the past 12 months I have faithfully watched my credit scores fluctuate up and down. I paid off all creditors between XX/XX/XXXX and XX/XX/XXXX. My score, slowly rose to a XXXX ( XXXX ) and XXXX ( Transunion ). I unfortunately was unable to establish and maintain gainful employment of no fault of my own which forced me to file bankruptcy, which gravely effected my credit. Even after my bankruptcy, I did not attempt to obtain credit. My credit score slowly increased to XXXX for both Transunion and XXXX. In XX/XX/XXXX it dropped drastically.It dropped 92 points for XXXX and 91 points for Transunion. It stayed this way over a course of 3 months for Transunion and then made a drastic leap from XXXX to XXXX. For XXXX, it increased from XXXX to XXXX. My score remained consistent for XXXX   four months ( XX/XX/XXXX-XX/XX/XXXX ) and then took a sudden plunge. My student loan was given a year deferment in XX/XX/XXXX or XX/XX/XXXX. Just recently my scores dropped suddenly. My score dropped tremendously for both companies ... Transunion ( -XXXX ) and XXXX ( -XXXX ) .It seems that no matter what I have done to do the right thing and stay afloat, XXXX and Transunion has continuously made attempts to damage my credit profile. They do as they please concerning credit scores. In addition, I have been one of the many individuals that have been apart of XXXX 's failure to protect my very vital information. I want my credit scores refurbished. I have worked hard and refrained from being in debt to anyone for anything. This seems to be a another practice against XXXX Americans ability to establish, maintain, and grow in socio-economics. There is no way you can explain how one incident dropped my credit score! I have one deragatory mark on both credit reports. I only owe student loans. I want my credit repaired immediately. This is a blatant financial attack on me and others like me that strive and still are faced with injustices at the hand of businesses that would see our demise.

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 2018-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Old information apperead XX/XX/2018. For 2 years I was paying a debt, and I did not fail and the Bank did NOT report. The debt was settled and they reported it in XXXX but paying in delinquency. The bank did not report for 2 years and requested that it be removed from my Experian credit report.

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 2018-07-02 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: NC

Complaint narrative:
Company continues to report inaccurate collection on my report., from company 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 non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, per the FCRA Law, I asked LexisNexis for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. 

As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. 

LexisNexis didnt respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PH # XXXX My husband XXXX XXXX purchased a property on XX/XX/2010. Two years later my husband XXXX XXXX due to a XXXX XXXX XXXX. When my husband XXXX XXXX I notified the mortgage company of his XXXX, they tols me that as long as i make the mortgage payments i can being that the mortgage was under my husbands name. Because of my husband XXXX went into a financial hardship. My husband was the head of household and he paid all the bills. I fell behind on mortgage payments and XXXX asked me to fill out re modification papers but at that point I did not want to continue to live in XXXX. That is when the property went under foreclosure. The address to this property is XXXX XXXX XXXX XXXX XXXX  XXXX. I have tried to contact the XXXX several times and most of the time I get the run around. I need your help I feel as this is injustice. I was not responsible for this mortgage. This house was sold last year for the amount that was owed, but they still will not communicate with me. I ask for your to please remove this XXXX loan from all the credit bureaus. I have attached documents that prove that I was not responsible for this loan.

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 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit  Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.

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 2018-07-02 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: PMAB,LLC
State: NC

Complaint narrative:
Company continues to report inaccurate collection on my report., from company pmab llc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
At the beginning of XX/XX/2018, my daughter consolidated/refinanced all of her student loans including my PPLUS loans through a private loan company ( XXXX XXXX/XXXX  ). XXXX XXXX sent out payoffs to all of my daughter 's student loans on or about XX/XX/2018. However, my PPLUS loans still had not been paid off. These were all through Navient. After waiting a couple of weeks to see if the payoff would come through on my PPLUS loans, as of XX/XX/2018 my balance remained on the PPLUS loans. My daughter contacted her XXXX XXXX to find out that indeed, the payment of roughly {$18000.00} did get sent to Navient at about the same time. Therefore, I contacted Navient who informed me that the private loan servicer had sent the payment to the wrong address ( interesting that these are all federal loans, and my daughter 's went to the right address but not my PPLUS? ). I have heard other complaints that they give the incorrect mailing address on some of their payoff forms. After speaking with Navient, the CSR informed me that the easiest way was for XXXX XXXX to stop payment on the original payoff check and resubmit a check to the correct address. The CSR further went on to assure me that since this was through no fault of my own, he would make notation on my account that when they received the check, they would backdate the payoff amount to XX/XX/2018 so that there would be no accrued interest that I would be responsible for, essentially a zero balance. On XX/XX/2018 payment posted, but the issue of the accrued interest has not been addressed. As of this writing, the interest amount is {$150.00} and increasing XXXX to XXXX cents each day. I sent a letter via US Mail to Navient explaining all the above on XX/XX/2018. Having heard no response and watching that interest keep climbing each day, I sent a second request via fax XX/XX/2018 and still have yet to receive a reply. We are respectfully asking for XXXX to look into this. It is very frustrating and I have already spent far too much time trying to get this issue resolved. Basically, we want Navient to backdate this payment to the original payoff amount so it shows a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/XXXX my husband and daughter were XXXX by a XXXX XXXX that totaled my car. At that time the car payment was current. I was not told that it was my responsibility to contact the car company to report the incident. However, we did contact the insurance on XX/XX/XXXX and started the claims process ( we did not learn of the incident until XX/XX/XXXX ). I received a call from Wells Fargo Dealer Services on XX/XX/XXXX reporting that the payment was 10 days late. I reported to them the incident with the car and my family, and they basically stated they didn't care and they wanted the payment. I reminded them numerous times that the payment was current at the time that the car was totaled. I received calls from them every day, and I eventually had to file a Better Business Bureau complaint, which they then stopped calling. When my husband and I originally took out the loan from Wells Fargo ( XX/XX/XXXX ), we were told that taking GAP insurance coverage was required to get the loan ( XXXX XXXX XXXX XXXX. ) I have received a bill, including late charges, for {$710.00} from Wells Fargo that I do not believe that I owe, as the GAP coverage should have taken care of 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 2018-07-02 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a letter to the Portfolio Recovery Associates on XX/XX/2018 requesting that they validate, NOT verify, a debt that they are reporting on my credit file. I, then wrote XXXX   and XXXX on XX/XX/2018 to inform them that the company never responded to my request. XXXX  responded by deleting the invalidated reporting. XXXX has " verified '' the reporting as accurate by matching the reported social security number to mine. This is not proper validation. Portfolio Recovery Associates did not respond to my request for validation in a timely manner as according to the law. Not only did they fail to provide any documentation or evidence bearing my signature, they failed to reply to my request to have the item delete as they are legally required to do. On XX/XX/2018 PRA sent a billing statement in reply to my request for validation which does not prove that I am obligated to pay or owe this debt. They sent the same documentation again on XX/XX/2018 and stated that they have " completed their investigation '' and will " not be conducting another investigation '' because my " dispute alleges no new facts and includes no new information in which to form the basis for a new investigation. '' They have reported delinquent and invalidated information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
AD ASTRA RECOVERY SERVICES This compnay appears on my credit report as an active account in collections. I have no idea who they are and why they are on my CR. Due to me being a recent victim fraud several months ago I notice inaccurate things showing on my credit report, AD SATRA RECOVERY SERVICES is certainly one of them. I was recently in a XXXX XXXX because of my health contions and now to see a collection company trying to put me back in the hospital again. This is not an my account and I demand that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BC SERVICES, INC.
State: TX

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used to obtain medical services without her consent. Someone living in the state of XXXX used her information in XX/XX/XXXX to obtain services with local providers for medical services not known to my client. My client at one time did live in the state of XXXX however moved in XX/XX/XXXX to XXXX. BC Services was listed on her XXXX  credit report as a debt collector. We provided a debt validation request letter to BC Service in effort to have them verify the information on the credit report. BC Service sent back account information to which my client sent an official dispute of ID theft with police report, PII and FTC affidavit naming BC Services and the related debt as an issue of true named fraud XX/XX/XXXX. On XX/XX/XXXX BC Servcies mailed my client ANOTHER letter stating they have already provided debt validation, BC Services FAILED to review the dispute information provided and by sending this communication ( concerning payment of debt ) have violated the FDCPA and the FCRA.

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 2018-07-02 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: Ability Recovery Services, LLC
State: TN

Complaint narrative:
In XX/XX/XXXX my husband and I were stationed in California which I attended XXXX XXXX I started my classes then switched majors and they stated my online courses would change at the end of the week but instead they never changed my courses and Everytime I called they told me to wait. In XX/XX/XXXX they appeared on my credit report but never once contacted me and I have noticed that every so often it's being renewed.

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