vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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: NJ

Complaint narrative:
I had my student loans consolidated on XX/XX/XXXX to FedLoans and I also entered to Public Service Loan Forgiveness Program. My recievied notice that my loans were approved as well as my employer certification forms. Only 12 payments are showing as counting towards loan forgiveness although I have made 78 qualifying payments. I was previously told that some of my payments in the past were in " paid ahead status ''. The representative confirmed that this was an error on behalf of FedLoans and that there would be a manual review so I can recieve credit for all my past payments. I have turned in my most recent employer certification form as of XX/XX/XXXX. Despite several inquires my payment count has not changed from the initial payment count prior to the review. Please help. Loan details are listed below. 



XX/XX/XXXX DIRECT SUB CONSOLIDATION LOAN Forbearance {$78000.00} Hide Details Direct Sub Consolidation Loan -  disbursed XXXXLoan Status Loan Status : FORBEARANCE Disbursement Information Disbursement DateXXXX Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Guarantor : FEDERAL School : MS Out of School Date : -- Interest Rate Information Interest Rate:0 % Interest Rate Type : FIXED RATE Subsidy : SUBSIDIZED Loan Balance Original Balance : {$74000.00} Unpaid Interest : {$2200.00} Principal Balance : {$78000.00} Payment Information Monthly Payment : {$110.00} Repayment Plan : Revised Pay As You Earn Repayment Term:132 Months Expected Payoff Date:XXXX Due Date Information Next Due Date:XXXX Days Delinquent:XXXX XX/XX/XXXX DIRECT UNSUB CONSOLIDATION LN Forbearance {$270000.00} Hide Details Direct Unsub Consolidation Ln - disbursed XX/XX/XXXXLoan Status Loan Status : FORBEARANCE Disbursement Information Disbursement Date:XXXX Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Guarantor : FEDERAL School : MS Out of School Date : -- Interest Rate Information Interest Rate:0 % Interest Rate Type : FIXED RATE Subsidy : NON SUB Loan Balance Original Balance : {$230000.00} Unpaid Interest : {$7500.00} Principal Balance : {$270000.00} Payment Information Monthly Payment : {$380.00} Repayment Plan : Revised Pay As You Earn Repayment Term:132 Months Expected Payoff Date:XX/XX/XXXX Due Date Information Next Due Date:XX/XX/XXXX Days Delinquent:0

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$250.00} XXXX XXXX  XXXX  XXXX {$290.00} XXXX XXXX {$0.00}

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 2020-05-18 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$250.00} XXXX XXXX  XXXX  XXXX {$290.00} XXXX XXXX {$0.00}

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 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XX/XX/2020 To the Committee, Consumers Financial Protection Bureau, This URGENT COMPLAINT involves the REQUEST FOR CANCELLATION/STOPPAGE of a Pending Foreclosure/Auction Sale to be conducted by Select Portfolio Servicing ( SPS ) on XX/XX/2020 through their agent XXXX ( XXXX XXXX XXXX XXXX  ). 

I have spoken with 4 or 5 diferent representatives from SPS and have requested to have this AUCTION SALE be postponed/cancelled as there are so many issues that are involved and many families/parties concerned that are affected. I have even mentioned that because of our current PANDEMIC LOCKDOWN issues, I asked SPS to postpone the Trustee Sale but they ( SPS ) are precisely picking this particular time to really put pressure and take advantage of the fact that we can not even go through our Court System to file/contest this illegal/unlawful Foreclosure Process. 

We have been through our Civil Court System on this property for almost twelve years now. I have given the Courts all the evidences to prove my case and have prevailed each time to stop Foreclosure. On the contrary, SPS have hired 3 different lawfirms to represent them and have lost each time. What SPS does is WAIT a few months to a year and then proceed again with their Foreclosure Process with a different lawfirm. 

The stress, harrassment and damage SPS have done to this family is worth for your Agency to investigate and impose necessary sanction/penalty on the company that SPS, only a Debt Collector, represents for a Trustee ( XXXX XXXX XXXX XXXX XXXX, as Trustee on behalf of the Certificate Holders of XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX ), which has been terminated and does not even exist anymore. 

***SPS XXXX ACCT. # XXXX under XXXX  XXXX XXXX*TRUSTEE SALE NO.XXXX ... .scheduled for XX/XX/2020 ***Title No.XXXX XXXX ***Property Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX We are therefore , asking your agency, the CFPB, to intervene and STOP the Trustee Sale that they have scheduled on XX/XX/2020. At least until such time that we can again duly represent ourselves under the Courts ' Due Process. 

We look forward to a Favorable Action from your Agency to what we deem is a flagrant deceiful way for a Debt Collector to run us down. 
Thank you, XXXX XXXX and XXXX XXXX XXXX for XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outragous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX XXXX   XXXX XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a chase savings account ( acct no XXXX ). Same day, I transferred {$5000.00} from my XXXX XXXX  account. A few days later, Chase locked my online account and closed my savings account. I called Chase at XXXX on XX/XX/XXXX. They said they can't return the money over the phone and I have to go to a branch with an ID : (. I didn't want to go to a branch right now with COVID19, but today on XX/XX/XXXX, I went to the Chase Branch ( address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) but they still refused to return my {$5000.00}. I'm shocked and furious that they closed my account without any warning and are withholding {$5000.00}. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Despite CLEAR and OBVIOUS FCRA violations Transunion refuses to acknowledge or remove said accounts from my credit files. Due to the fact these accounts reflect inaccurate details my credit and financial health is being injured.

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 2020-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I used Menards online ordering system due to Covid-19, my order came to {$450.00}. When I went to the store I asked about the items that weren't with it, and was told they would be back ordered. After I checked my credit card through Menards the entire order was billed even though the entire order wasn't available. Items XXXX, XXXX, XXXX, ( XXXX ) XXXX were unavailable, and back ordered. I reached out to Menards and they told me all items were picked up, this isn't true. My concern isn't over a couple hundred bucks ( {$190.00} + tax ), my concern is if this is done repeatedly and based on my very first experience at Menards doing this, this would be fraud on a massive level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outragous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX XXXX   XXXX XXXX {$570.00}

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 2020-05-18 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outragous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX XXXX   XXXX  XXXX {$570.00}

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 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
They are claiming that I have a debt with XXXX and them .... I called to confirm that I have NO debt with XXXX and they are harassing my family and i to pay them money that we do not owe.

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 2020-05-18 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: WI

Complaint narrative:
While looking at my credit reports last week I found that the Equifax report showed a hard inquiry from XXXX XXXX dated XX/XX/XXXX. I found this to be a mistake because I have never been a XXXX customer nor have I ever asked for rates or services from them. I then made a 'my Equifax ' profile so that I could dispute this inquiry with Equifax directly. I made the dispute online as I was not able to get through on the phone. The online format does not allow for any type of explanation as to the reason for the dispute but I followed the prompts and selected that this inquiry was " not mine ''. I filed this dispute with Equifax on XX/XX/XXXX. I received a fairly prompt response that stated that " the inquires are a factual record of file access ''. Now, I have a negative remark on my report and my Equifax credit score dropped a few points after their investigation showed that the inquiry was " factual ''. I was told in the decision that my best option was to contact the creditor ( XXXX ) directly. 
Today I spent several hours on the phone with XXXX. As I had expected, they have absolutely no accounts, past or present, in my name. I asked if they could send a letter to Equifax to explain this and remove the inquiry from my report. Their fraud prevention specialist told me that without having an actual account, they could not send a letter to Equifax explaining this because their letter requires the person to have an actual XXXX account. Since I have never had an account, I was told that there was nothing they could do. The fraud prevention specialist also told me that the only way this scenario could happen is if someone fraudulently attempted to set up an account in my name but was unsuccessful. This happens when a person attempts to set up an account and the XXXX team in unable to authenticate or verify the individual, yet in the mean time, a credit inquiry is made in the process. Unfortunately for me, the credit inquiry was made under my name even though I was not the person attempting to set up an account. I pride myself on working hard, managing my fiances and having a solid credit score. This hard inquiry does not belong to me, yet I am stuck with it on my Equifax report. Additionally, as a result of the dispute, I show a negative remark on my report and a ding on my score with Equifax. 
After trying to resolve this mistake on my report with both the credit bureau ( Equifax ) and the creditor ( XXXX XXXX ) I have been unsuccessful in attaining resolution. I now turn to my final resort, the CFPB, the please help remove this inquiry from my report which does not belong there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: GA

Complaint narrative:
A fraudulent account was opened in XX/XX/2016with XXXX ( XXXX XXXX XXXX  ) XXXX ( I don't know what these initials mean ). The account number on the bureau is XXXX. Around the same time an address from California ( I live in Georgia ) appeared on my file. I conferred with several experts in fraud and they confirmed that this account has all the red flags for such an account. The account was opened, immediately charged to the limit and no payment was ever made on it from the beginning. 

I disputed this account with Equifax and XXXX XXXX and they not only left it on my file. They did not block it from display ( as provided for in the Fair Credit Reporting Act ). This is a violation of my federal rights. 

I have provided copies of a fraud affidavit ( FOR INFORMATION PURPOSES ONLY ) I do not expect the CFPB to file this affidavit..but I do expect for you to make Equifax and XXXX XXXX adhere to the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: AK

Complaint narrative:
I was a victim of identity theft in the mid to late XXXX 's. I only learned of the Identity theft due to a hospital collection agency contacting me at my place of employment requesting I pay a bill. I filed a complaint with the local police department in XXXX of XXXX. I did not learn of the credit card theft until XXXX. 
I filed a FTC complaint # XXXX. 
Now, over 20 years later, I received a letter from a new collection agency, requesting payment of a debt. The first collection agency XXXX sold my information to another collection agency, Synergetic Communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
With our lives ( and livelihood ) dependent on credit reports, the law should require these agencies to be a lot more transparent than they are. Specifically EXPERIAN. I had a breakin where a lot of PII was compromised including drivers lic, SSN, checking and banking info etc. I placed a freeze on all of my credit reports. XXXX was the most easiest, and most helpful. In fact they took my police report and contacted the other bureaus. 

I'm attempting to unfreeze my credit so I can buy a place to live after the break-in. Again, XXXX and XXXX were a 3 minute phone call each. I am now required to mail a request to unfreeze my Experian report because their phone and online systems are circular and not helpful. There should be a requirement to make them be as accessible as the others. My clearance is dependent on my credit report but the govt isn't making this easy to fix!

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 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Management Services, LP
State: CA

Complaint narrative:
Company has wrong information on me and thus not receiving proper notification on debt being sent to collection. Proper notification wasn't sent in advance on debt was going to be sent to collections. No effort was done to try and reach me before hand. Also they called a family member that I have no communication with to try an locate and having the correct phone number to reach 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 2020-05-18 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: MA

Complaint narrative:
One of my 4 Parent loans went into collections without my knowledge. I thought that they were all on deferral. 

I've been trying to work with XXXX XXXX XXXX XXXX to get a reasonable payment plan. 

The only response I ever got was that they were unable to locate my account. 

Although they have failed to cooperate in any way, I continued making payments of whatever I could afford. 

I recently sent them a letter asking to negotiate the amount down to {$2500.00}. They accepted the {$2500.00} as payment in full. Now, even though they cashed the check with PAID IN FULL written all over the front AND back, they state that they will continue collections activities. 

This NEGATIVE item remians on my credit reports SEVERAL TIMES. Each one with a different status. Collection, Charge off, Transferred, closed. They are all the same loan. 

Other than this one item on my credit report, I have NEVER had a late payment and they have ruined my credit. 

I have continuously requested removal from all three agencies. It comes off and a month or two later, it's right back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: MA

Complaint narrative:
One of my 4 Parent loans went into collections without my knowledge. I thought that they were all on deferral. 

I've been trying to work with XXXX XXXX XXXX XXXX to get a reasonable payment plan. 

The only response I ever got was that they were unable to locate my account. 

Although they have failed to cooperate in any way, I continued making payments of whatever I could afford. 

I recently sent them a letter asking to negotiate the amount down to {$2500.00}. They accepted the {$2500.00} as payment in full. Now, even though they cashed the check with PAID IN FULL written all over the front AND back, they state that they will continue collections activities. 

This NEGATIVE item remians on my credit reports SEVERAL TIMES. Each one with a different status. Collection, Charge off, Transferred, closed. They are all the same loan. 

Other than this one item on my credit report, I have NEVER had a late payment and they have ruined my credit. 

I have continuously requested removal from all three agencies. It comes off and a month or two later, it's right back on.

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 2020-05-18 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: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX {$450.00} XXXX XXXX XXXX  XXXX {$9100.00} XXXX XXXX XXXX/ XXXX {$9500.00} XXXX XXXX XXXX {$3500.00}

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