vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 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: NY

Complaint narrative:
I have been on the IBR program for about 5 years. In the beginning I was recieving my paperwork to recertify.,, Then it stopped. I was getting letters to recertify online. I do not do anything online at all and I never signed anything requiring me to do so. When I called AES, I was told that the government does not allow them to send the paperwork automatically anymore. I asked that my paperwork be sent out. Never received, had to call back. This was last year. I advised them to send my paperwork on time and I do not do anything online. They put me into forebearance and added {$7200.00} in interest to my principal balance. They did the same nonsense again this year only they billed me for the interest before the paperwork was even due. Once again I had to call back again to get the paperwork which took 18 days to receive. They are intentionally delaying the processing of my recertification so that they can bill the interest. I am going to dispute the loans and I dont believe these actions to be legal. It is my right to not have to be forced to put my information online at all. Also the school certified me for a degree that I can not even use. I will not pay anything for these student loans and I want them discharged immediately. I will not be a victim to crooked loan collection practices and anyone who is handling these matters should actually do something about it. Tired of a government that pretends to work for their people and glad we have a real President now so fix it. Im sure im not the only one complaining about this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial
State: NY

Complaint narrative:
I got a call from XXXX which comes up on my phone as " XXXX XXXX '' saying I owe XXXX money. 

No clue who these people are and I dispute the entire transaction and think it is a scam debt collection.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX  and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code, they are illegally attempting to collect this debt and are in violation of Chapter XXXX. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Debit Amount- {$170.00} Opened on- XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Monday, XX/XX/2018 I called Ditech to address a letter sent by Ditech. Ditech claimed that my payment was late when in fact all payment is on time and in excess of the monthly amount due. Ditech is collecting the extra money paid each month and applying it towards principle rather that applying towards the amount that fluctuated. 
Ditech disconnected the phone call twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
They keep insisting that I owed a phone bill but I never had their service in the home for the time they said. The only " evidence '' of the alleged debt is a monthly bill not showing the actual charges but a bill from the following month which shows an alleged balance due from the prior month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I do not have exact dates, but I called Equifax to inform them that my XXXX XXXX credit card ; as well as, my XXXX it credit card is not showing and that affects my credit score, I also called the credit card places and filed a complaint as well. There is no problems with my credit cards reporting to the other agencies only Equifax is a problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report shows multiple " hard inquiries '' on multiple dates. The company name that shows is XXXX XXXX and the dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I can not find information on the company called XXXX XXXX. I have attempted to open disputes with the credit reporting agencies. Equifax online service is not operational and they tell me it is a technical problem so I called in to get a status on the dispute. The agent told me that I need to contact the company directly to have it removed and gave me a different company name of XXXX XXXX. 

I have called XXXX XXXX - I have no idea who they are - and they are not helpful. 

I would never, nor would anyone authorize a company to perform hard pulls on your credit 5 times in a row. I don't even know what this is, but multiple pulls have not been authorized by me. 

So now, Equifax is telling me that even though I have informed them that this information is incorrect and I did not authorize this that I have to somehow go figure it out and get it fixed or removed. This is complete XXXX XXXX. This is why we all know that credit scores and the agencies are nothing more than a way to attempt to substantiate taking advantage of consumers and charge them higher interest rates. 

Equifax sucks and everyone knows it. Complete garbage that they are allowed to report inaccurate data and even when informed do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: TX

Complaint narrative:
The address that is file on with the bankruptcy is not mine nor have I ever lived at that address. This is not my bankruptcy. I request that this item be removed from my credit report. It 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 explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have requested that this creditor provide validation of debt with itemized breakdown on the account they are attempting to collect on and they have not done so. I have requested that this be done on multiple occasions. I have sent out certified letters via USPS mail with the most recent being XX/XX/XXXX to NCC Business Services. It has been well over 60 days and I have not received any correspondence as of yet. The collection amount is listed on my credit monitoring site for {$220.00}. Prior to this a different creditor had the account which I requested validation of debt from on XX/XX/XXXX, it was never received. At some point after maybe mid to late XX/XX/XXXX is when NCC Business services took over, I requested same info in XX/XX/XXXX and am getting the same results months later, no one can seem to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: TX

Complaint narrative:
The account/company name is XXXX XXXX which is being reported on my Equifax credit report with a {$430.00} balance. 

Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX I have contacted Equifax to question the accuracy of this account and verification as I've informed them the account is not my account. The account is being reported as a " charge-off '' account for the current payment status and the worst payment status. 

I've contacted Equifax both via phone and writing with the most recent written communication being sent on XX/XX/XXXX. I've contacted Equifax on numerous occasions regarding various incorrect information that was being reported on my credit report. I've spoken with a representative at Equifax on XX/XX/XXXX in which I've received the confirmation # XXXX. I also spoke with a Rep at Equifax on XX/XX/XXXX and I received the following confirmation numbers XXXX and XXXX. 

In addition, I have contacted the creditor in which I have not received any form of correspondence in return. In addition, Equifax, has not sent any correspondence to me via mail or in writing ( or by no method ) in response to my complaints. 

I have reached out to both the credit bureau as well as the creditor with no help from either. This account does not show on any other credit reports. This issue has been very stressful for me. I am only seeking help and assistance in solving this issue. I would greatly appreciate any assistance you are able to help me in getting this negative account that is not my account " removed '' from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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:
XXXX inquiryon my Experian credit report was not authorized and does not belong to me. Pleas remove XXXX  inquiries off my Experian credit report immediately.

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 2018-04-09 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: AES/PHEAA
State: FL

Complaint narrative:
This company AES/PHEAA, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at XXXX. I received notice from XXXX   that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
First and foremost, I must be honest and say I am 26 days past due on my loan. XXXX XXXX XXXX   has made reasonable attempts to help me stay current. My problem is with their collection practices. No, I do not answer every call they make to me. However, I do stay in contact with them at least every two weeks. My problem is with their continued third party disclosure to references I gave to them. Calling XXXX XXXX one week after speaking with me and verifying good contact information with me is excessive when you are telling her I am past due with my loan. She is only a reference not a signer. Telling XXXX XXXX you are calling about my past due auto loan and you can't get in contact with me is not only a lie but, once again she is not a signer on my loan. Only a message can be left. Not that I'm past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
They offer me Load that were crazy First Loan offer would be paid off when I was XXXX Second loan offered was 20 years then a ballon payoff of {$75000.00} when i was XXXX Plus in 2014 Ocwen agree on a settlement of XXXX XXXX that the company to pay penalties as well as undislosed financial relief to borrowers which i never seen a XXXX of

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 2018-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Friday XX/XX/XXXX I went to the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX to make a deposit to my Savings account. I was making one deposit that consisted of {$11000.00} in cash and a check for {$690.00} ( for a total deposit of {$12000.00} ). My receipt shows a total deposit of {$12000.00}, my deposit slip online shows a total of {$12000.00}. 

The next day Bank of America posted an " Adjustment/Correction Of Posted Item '', debiting my savings account by {$350.00}. After reviewing all of my documentation, there is absolutely no reason for them to have taken this money out of my account. After repeated calls to customer support, the individual branch, and the Fraud department, Bank of America still can not tell me why they have taken {$350.00} out of my savings account. I had a Fraud Claim opened up as well as a request to fix this mistake and Bank of America is doing absolutely nothing to resolve this. I need this {$350.00} debited back to my 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 monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code, they are illegally attempting to collect this debt and are in violation of Chapter 392. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Debit Amount- {$1400.00} Opened on- XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION INACCURATE ADDRESS, NAME AND INQUIRIES APPEARED ON 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 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I've been trying to get a copy of bank statements from XX/XX/2015, XXXX to XXXX to be exact, there is a charge from XXXX in the amount of XXXX which I need to find. This information is for a fraud claim and reimbursement of it. The statement showing the charge is needed to provide to the claim administrator. The account with TD Bank is now closed, however, I do need said statements to find this charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Signature Bank (NY)
State: NY

Complaint narrative:
A prior complaint was filed by me in reference to mortgages with Signature Banker secured by two apartments in XXXX XXXX. I advised the bank that they erroneously engaged in a foreclosure action against me. After sending my proofs of payment, the bank finally acknowledged that it made an error and sent me statements which included charges relating to the foreclosure. I should not have to pay such charges if the bank improperly engaged in this action against me. Furthermore, we have attempted to make monthly payments in the past and the bank has rejected them stating that it will only accept a payment that conforms to the fully amount they are claiming is due to them. I am seeking to receive proper statements from each of these loans which portray the amount that is owed so that payment can be made.

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 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: TN

Complaint narrative:
This furniture company is refusing to remove this collection although it has been reported closed and charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: WY

Complaint narrative:
GM Financial is incorrectly reporting this account as past due. On my credit report, it states that they have not reported any payments since XX/XX/2017. This caused me to not be able to buy a home as it severely damaged my credit score. After speaking with the company numerous times they continue to state there is 'nothing they can do about it. ' Inaccurately reporting my account as delinquent is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GENTRY FINANCE CORPORATION
State: UT

Complaint narrative:
This company has contacted my employer several times after being asked repeatedly to stop by my boss. I have also told them to stop contacting my work, and they kept calling. They said today XX/XX/18 the only way to fix that is to come in today and pay this. Or youll be getting sued and were working with an attorney now. I replied that I would go pay then as soon as I could but that I didnt want them to contact my employer again. She said it needs to be paid today or we will. I spoke with XXXX at convienient loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: American Financial Network Inc.
State: FL

Complaint narrative:
My credit report shows multiple " hard inquiries '' on multiple dates. The company name that shows is XXXX XXXX and the dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I can not find information on the company called XXXX XXXX. I have attempted to open disputes with the credit reporting agencies. XXXX online service is not operational and they tell me it is a technical problem so I called in to get a status on the dispute. The agent told me that I need to contact the company directly to have it removed and gave me a different company name of American Financial. 

I have called American Financial - I have no idea who they are - and they are not helpful. 

I would never, nor would anyone authorize a company to perform hard pulls on your credit 5 times in a row. I don't even know what this is, but multiple pulls have not been authorized by me. 

So now, XXXX is telling me that even though I have informed them that this information is incorrect and I did not authorize this that I have to somehow go figure it out and get it fixed or removed. This is complete XXXX XXXX. This is why we all know that credit scores and the agencies are nothing more than a way to attempt to substantiate taking advantage of consumers and charge them higher interest rates. 

XXXX sucks and everyone knows it. Complete garbage that they are allowed to report inaccurate data and even when informed do nothing about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation