vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-06 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: NJ

Complaint narrative:
The 3 credit bureaus XXXX TransUnion XXXX are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.1.XXXX  XXXX {$34.00} 2.XXXX XXXX {$29.00} 3.XXXX XXXX {$110.00} 4. {$130.00} 5. {$35.00} 6. {$2700.00} 7. {$250.00} 8. {$35.00} 9. {$35.00} 10.XXXX XXXX {$91.00} 11.XXXX XXXX {$240.00} 12.XXXX XXXX {$29.00} 13.XXXX XXXX {$150.00} 14.XXXX XXXX XXXX  {$5800.00} these must be removed from my credit reports as they are fraudulent and you cant prove its mines or I will sue in court each violation is {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: NJ

Complaint narrative:
The 3 credit bureaus XXXX XXXX Experian are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.1.XXXX XXXX {$34.00} 2.XXXX  XXXX {$29.00} 3.XXXX  XXXX {$110.00} 4. {$130.00} 5. {$35.00} 6. {$2700.00} 7. {$250.00} 8. {$35.00} 9. {$35.00} 10.XXXX XXXX  {$91.00} 11.XXXX  XXXX  {$240.00} 12.XXXX  XXXX {$29.00} 13.XXXX XXXX  {$150.00} 14.XXXX XXXX XXXX {$5800.00} these must be removed from my credit reports as they are fraudulent and you cant prove its mines or I will sue in court each violation is {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
I had a XXXX XXXX XXXX XXXX XXXX. I got a title loan in XXXX and one main financial has loaned me through the past years up to XXXX dollars.the last rework of the loan was XXXX in XXXX. I asked how can you loan that much if the car isn't worth that much. I was told at that time that it was. Here 's my problem. On XXXX XXXX.of XXXX I was in an accident that totaled my car. My insurance pd XXXX for the car as I was not at fault. This being XXXX of XXXX one main financial will not rework the loan, although the insurance check went straight to them and they sent the title to my insurance company. I spoke to XXXX at one main financial in XXXX, nc on Friday XX/XX/XXXX. I was told I would have to make 6 regular payments before they could rework it. I have a different car now and have a XXXX dollar monthly payment. I am XXXX retired widow on XXXX raising my granddaughter since her birth in XXXX. I have a mortgage payment of XXXX on my house monthly. Because I adopted my granddaughter, she gets XXXX a month off my husband since his death in XXXX. I have utilities to pay, cell phone, internet service, and groceries and clothes and whatever she needs. I can't get any help with XXXX XXXX XXXX because I adopted her. My point being. I can not come up with an extra XXXX to repay one main financial for even 6 monthes. They denied my request to rework the remainder of my loan to a smaller payment. What happens. They have no collateral and i don't have any extra money. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: ME

Complaint narrative:
When my student loans came due in XX/XX/2009 I was told by XXXX then XXXX that if I agreed to a capped monthly loan and paid it for 10 yrs without missing a payment that as I work for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my debt would be canceled after the 10 yrs. In XX/XX/2009 I sent paperwork into my loan holder to make sure I would qualify. 
Now at the 10 yr mark, I am being told by my current loan holder ( XXXX US Dept of Ed ) that my loans were transferred to them and I did not fill out the right forms and I was in the wrong payment plan. When I challenged this as I was never made aware of 1. The loan transfer and 2. I was never informed that I needed to complete new forms. 3. I never missed a payment in 10 yrs! I cant get the forgiveness. 
I now will have to pay another 10 yrs before I can get forgiveness ; which I totally dont believe they will do. 
I have to complete and have my work fill out forms yearly and I only found out that I cant afford the payment plan they tell me I need to be in. 
This is XXXX! I work in rural Maine with the XXXX XXXX and XXXX. I can barely afford to live and have been lied to by the Loan companys and now the US Dept of Education. I went to school with the belief if I did the work I do, with the population I work with ; my loans would be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland agreed that I could pay my account in full if I paid {$460.00}. {$460.00} was deducted from my bank account on XX/XX/19 for in full payment. Contacted Midland Credit Management XXXX and was told by XXXX that the payment was declined. XXXX then told me there was a glitch in their system. Called back and was told that I needed to fax a copy of my bank statement showing payment which I did. Called again on XXXX and received the same information that their system showed that the payment was declined. 

XXXX received an overnight envelope from Midland today stating that l my payment was declined and that the balance due was {$830.00}. Called Midland and spoke with XXXX and was told that they would straighten my account out but he would not give me definite timeline. I requested an email stating that the account is paid in full. XXXX said he could not do that. Went online and it shows a {$370.00} balance due. I advised XXXX that I was contacting CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: FL

Complaint narrative:
Both XXXX and Equifax continue to allow a company with no standards to report the wrong information. XXXX XXXX sold my loan to XXXX XXXX XXXX. Equifax shows 2 late payments under XXXX XXXX XXXX. XXXX shows late payments under XXXX XXXX. It is the same company. 

The loan has been paid in full. Further, the company has noted that the account has never been late and that a " mechanical error '' is causing the late reporting. It has been corrected and continues to revert back to the wrong information. 

This needs to be fixed and frozen with no more updates to this account once it shows never late as the letter attached from the company shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Both Transunion and XXXX continue to allow a company with no standards to report the wrong information. XXXX XXXX sold my loan to XXXX XXXX XXXX. XXXX shows 2 late payments under XXXX XXXX XXXX. Transunion shows late payments under XXXX XXXX. It is the same company. 

The loan has been paid in full. Further, the company has noted that the account has never been late and that a " mechanical error '' is causing the late reporting. It has been corrected and continues to revert back to the wrong information. 

This needs to be fixed and frozen with no more updates to this account once it shows never late as the letter attached from the company shows.

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 2019-04-06 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: HI

Complaint narrative:
I am a XXXX and have had to deal with the terrible customer service at XXXX. For the past 3 years I've had several issues come up, reported it to the company, and not once have I heard anything back from them. Issues include, incorrect calculation of my time in service regarding the student loan forgiveness program, incorrect calculation of fees, incorrect denials of income based repayment program, etc. To date, I've paid XXXX, and they are claiming I still owe an additional XXXX. The original amount has already been paid off, but they continue to add on fees and interest. This company is a disgrace and should face penalties for all it's done to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a auto loan with Navy Federal credit union. There is a late payment for XX/XX/XXXX. I never recieve a bill statement for the month of XX/XX/XXXX, nor the month of XX/XX/XXXX. this is the reason I didnt know it was due. According the Fair Credit Billing Act, if I do not recieve a monthly statement for the bill. I am not responsible for the payment for that month. therefore I can not recieve a 30 day late payment. I take my credit History very seriously. I also have no late payments on my credit report.I always pays my bills on time. the only reason It was not paid was I didnt recieve a bill. therefore, according to the fair credit billing act. I need that late payment remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Written request. 
Payoff statement expiring XX/XX/2019 of {$250000.00} may be paid from {$620000.00} paid to principal. The extortionists May then refund the remaining {$360000.00} to me at the property address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I want the extortionists to pay {$250000.00} payoff expiring on XX/XX/2019 from {$620000.00} payments to principal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
XX/XX/XXXX new account # XXXX on my credit report debt collector company.. phoenix financial services ( bussines type yc ) XXXX XXXX XXXX XXXX XXXX XXXX in XXXX debt amount {$1000.00} .00 account to old to be on credit report and inacurate amount of money. Acct previously closed and removed on 3 mayor credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I want Wells Fargo to pay off the {$53000.00} balance from the XXXX I paid to principal. Then refund {$55000.00} I had in the escrow account at foreclosure

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 2019-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
This is a complaint against XXXX XXXX XXXX and Wells Fargo Consumer Credit Card. 

I have a Cell Phone Protection claim ( XXXX ) with XXXX XXXX XXXX  ( XXXX ). My Wells Fargo credit card has a Cell Phone Protection benefit administrated by XXXX. My cell phone had physical damage requiring a new LCD and button. XXXX denied my cell phone claim XX/XX/19 stating conflicting information. Information does not conflict. I submitted all of the paperwork : XXXX online claim form, XXXX bill,  Wells Fargo Credit Card Statement, XXXXXXXX XXXX invoice. My XXXX bill shows that the phone was not used between XX/XX/19 to XX/XX/19. I paid {$190.00} to repair the phone at XXXX. XXXX will not reimburse me for the {$190.00} repair fee. I was well within the 60 days notice of reporting the damaged cell phone to XXXX. All documentation was uploaded within 90 days on XXXX 

The physical damage was seen and heard by the diagnostic technician. The technician noted significant damage on the repair estimate. The technician saw that the phone did not function because it is obvious to the eyes and ears. He replaced the LCD and button, because the old parts were physically damaged. The reason for the damage is wear. With three phones in my household with XXXX children, we damage cell phones frequently. XXXX wants to teach consumers not to file claims. Wells Fargo needs to know that XXXX is not paying out for valid claims. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX : XXXX Policy Administrator : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TN XXXX, Tel : XXXX or XXXX XXXX email : XXXX XXXX Website : XXXX XXXX Claim # : XXXX Filing Date of Online Claim Form with XXXX : XXXX Claim Amount for damaged cell phone, based on repair estimate : {$190.00} Damaged Phone : XXXX XXXX with phone line XXXX Date of Loss : XXXX Date of Phone Inspection with Repair Estimate : XXXX Phone Inspection by : XXXX Repair XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX, Tel : XXXX Description of Damage : LCD did not work, Power button did not work, Touch did not work, Screen was black and useless. Phone did not function. 

Repair : Replaced LCD and button, fixed touch, repaired functionality Purchased Phone from XXXX : XXXX ( order date ) Claimant/Policy Holder : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, Tel : XXXX Wells Fargo Consumer Credit Card # : XXXX XXXX XXXX XXXX Wells Fargo Credit Cards : XXXX XXXX XXXX XXXX, MN XXXX, Tel : 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 2019-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Duplicate of prior complaint that TU has not resolved. In XX/XX/2018 a  lender made an error in processing a payment and reported us 30 days past due. After the error was discovered and cleared up, the lender submitted updates to change that payment status. TransUnion for some reason processed this as a second account from this lender with the same account number, one appearing with the past due from XX/XX/XXXXand the other showing the correct payment history. This has been disputed with TU multiple times. Each time, they correct the issue, and then the duplicate account appears again. This does not happen with any of the other credit bureaus. This results in a late payment appearing, along with the outstanding balance and monthly payment due being double-counted. I have submitted yet another dispute with TU, but believe this needs to be escalated so that they can fix whatever problem they have processing this particular account.

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 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with non-monetary relief