vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 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: MO

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information regarding an alleged late payment. We were never late on this account. I have disputed this information with XXXX XXXX XXXX and they have claimed to verify the information as accurate. However, I was able to locate the agreements signed by an account representative of their company which moved the seasonal payment due date and receipts and confirmation numbers showing we continued to make our regularly scheduled payments during this time. The seasonal payment is a flexible payment that is contingent upon when customers receive their tax returns back from the federal government, in which consumers have no control over. A payment can not be late is the due date is modified in writing by a representative of this company. XXXX XXXX XXXX continues to report this inaccurate information despite my dispute, and efforts to bring a duty to report information accurately per the Fair Credit Reporting Act to their attention. I have disputed this information with the Credit Bureau, Experian, as well who has also claimed to verify the information as accurate when in fact it is not, and the enclosed records provided to both companies proves this. However, they continue to report this inaccurate information in violation of my consumer rights under the Fair Credit Reporting Act.

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 2018-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Equitable Acceptance Corp
State: WY

Complaint narrative:
I received a phone call from a company called Equitable Acceptance in XX/XX/2015 about a student loan forgiveness program. Their sales tactics made me believe I needed their services in order to get my loans forgiven and without them I would be in a very difficult situation. Being in student loan debt I was very fearful I would never be able to afford to repay the loans so the student loan forgiveness they were explaining was a glimps of hope. Now to find out years later by the department of Education that I should never have to pay a third party for help with student loans and to immediately stop the automatic {$39.00} monthly payment that they had been taking since XX/XX/2015. I had then realized that my student loan amount was not going down at all due to the income based repayment plan I was on, and Equitable Acceptance was charging me {$1300.00} a year to submit one application to my loan servicer. I believe this company needs to better explain the actual service they are providing because if they made those facts more clear nobody would be involved with them. Their marketing a population with tactics that makes us fearful to deny their services not knowing that we do not need a third party to provide any service at all. Their marketing tactics are unfair and I dont believe they should be in business anymore. The services that I have been paying for from them also show up on my credit score as a credit card with a balance due. I would like to see this removed from all credit reports. I would also like to add that the person handling my case, which I do have their name and number, had a phone number that is no longer in service and they have made it very difficult to find out how to contact them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reported fraud in XXXX, took over 90 days to follow up on the report. I called every couple of weeks to follow up. I had a new answer every time I called, at one point one of the customer service reps told me they didn't have a fraud department. They would hang up on transfer me around. This is the worst company I have ever dealt with. I asked them to correct the wrong amount on my credit report and they have still failed to do that.

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 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: AR

Complaint narrative:
Vital recovery makes repeated phone calls during the same day. I have asked them to stop. Today they made phone calls back to back, two minutes apart. This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been a costumer of Chase for a little more than 10 years and for the past year or so I have been having lower available balance than I am supposed to in my checking 's account. Sometimes {$20.00}, {$50.00} and at one point even {$100.00} dollars less than I should. I always contact them and there is never an explanation for the error. I use an Accounts app on my phone to keep track myself of every single transaction that I make and then compare it to the Chase app to find any discrepancy but there is none to be found. Is like the money just disappears to thin air. Today XX/XX/18 I logged in to my account to find out that I am missing {$160.00} dollars from my account. No unauthorized transaction is found but the money is missing. I went to the closest Chase brand that I have and spoke to banker. We went over the last transactions that I made and no error was found, just the {$160.00} dollars disappear from my account. This is very frustrating I work hard for my money and I hope I can get help somehow cause Chase is not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: GA

Complaint narrative:
I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that XXXX, Equifax, and XXXX   investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
They mis-handled an extra payment I sent to cover for insurance rate increase. They were suppose to back it out, apply it correctly and then all would be fine. That was in XX/XX/2018. I have called every month after getting threatening letters, and they always say they will re-do it. The last time I called in early XXXX, they told me I was 2 months behind! My mtg pymts go out from auto-pay every month on the same day. I've never been late. They keep me on the phone for 2 hours, and then promise to fix it. But nothing changes, and I keep getting threatening letters. 
I'm a XXXX veteran [ 100 % ] and part of my XXXX is XXXX. They keep me on the phone for so long it wears me down. I also have XXXX XXXX XXXX   problems, so I can have a conversation and 10 minutes later I can't remember what was said. So I have tried to keep short notes of each of the last 3 months of calls. On XXXX XXXX, PennyMac responded to the Texas State Attorney Generals complaint I filed. Here is my note : XXXX : PennyMac called me XXXX XXXX. XXXX ext XXXX Dept : Priority Complaints. He advised me that he was recording the call, and when I told him I would do the same, he told me that XXXX would not talk on the phone with me if I recorded the call. I told him 3 times I would stop recording if he would answer my questions. He would not talk to me or answer any questions, and then hung up. I asked him if they were going to foreclose on my home and he would not answer that either. I asked him this question at least 3 times with me, and he would never answer. 
This produces great stress with me. I really don't know what to do at this point. I'm afraid of becoming homeless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
After months of back and forth and many phone calls, I finally found someone who would return my call to explain if a charge that was to be reversed was ever reversed. I have since followed up with her on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to get a call back. 

My contact 's name is XXXX and she is at XXXX and I am looking into why I have a charge on my XX/XX/2018 statement and also an accounting for the multiple entries to my account. 

I have an auto pay set up for my mortgage and have always paid on time and am not sure why the customer service at this bank has been lacking. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Experian requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, Experian sent me an email stating their investigation did not fix the error on my credit report because XXXX and XXXX companies that reported the information to them was certified. No other explanation was given.

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 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I was living at XXXX XXXX ..in XXXX Texas ... During XX/XX/XXXX-XX/XX/XXXX year .... I moved out ... And the management company .... Put a false owed balance on my credit report and said I had bed bugs and they had too treat the problem .... Very suspicious behavior and illegal .... Actions .... I'm wanting criminal charges whom ever was involved ... And that money paid back too me ... In full ... ... very poor management and complex ... drugs and fighting and barely no security .... There ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I had problems " making on-time payments '' due to a very " Bad Divorce '' which led to a difficult Financial problem, as a result, NISSAN-XXXX XXXXXXXX has reported " Negative Reporting - Late Payments '' which has and is currently damaging my credit reports. 

But now things have turned around for me financially, I have made ( " Extra Payments in XXXX XXXX and XX/XX/XXXX ' and caught up with ALL my car monthly note payments and have kept on being Current on my monthly payments ). And, because of my hard work to improve my credit with them and consistent monthly payment as well as my future plan to build and request more credit from NISSAN-XXXX XXXX I had called in several times to Customer Service to ask if they can please work with me by " Removing the Negative Late Payment Reporting on my Credit Reports '' but unfortunately the Customer Service of NISSAN-XXXX XXXX has declined my request even though I was told by a rep in the past that if I catch all my payments and make consistent payments that my late payment history will be forgiven. So, as noted above I kept calling and calling but I kept getting passed around on the phone with absolutely no result or remedy to my situation. 

Furthermore, NISSAN-XXXX XXXX is reporting that my " Payments are Late '' from ( XX/XX/XXXX - XX/XX/XXXX ) in All 3- Credit Bureaus which is NOT correct nor consistent, because I have doubled up to catch up any lates that occurred and made all of my payments on-time so I will not be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
It says the first loan was opened in XX/XX/2014 and i started college in XX/XX/2014. I did not personally sign up for my loans to be paid off right now and anything against that was not acknowledged by me. My credit report also has two more loans for the three years that I attended my first school. I now am transferring to another university and the school I am transferring to has my application. I have not  graduated college yet and am not sure as to why I have these delinquencies on my account. It is just not right, I have no way of paying for this at XXXX years of age while still in college.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA

Complaint narrative:
A collection agency is reporting a debt on my credit report that does not belong to me. I have disputed it, but they will not take it off of my 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 2018-06-26 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:
I disputed inaccuracies with a XXXX concerning my student loans. I consolidated my accounts and the consolidation caused the accounts to be paid in full and closed. I did this to clear up my credit report so that I can purchase a home. My on time payments are missing for a whole year and my missed payments are showing up with which is throwing off the ration, so I consolidated. Every other credit bureau removed the accounts from my credit report and reflect the current consolidated student loans except for XXXX and I would like them to follow suit and delete the inaccurately reported accounts and payment history. The XXXX representative told me that consolidation would resolve this so now I am asking that my XXXX be updated to reflect the changes as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2018, I sent Portfolio Recovery a cease of communication letter, which they signed for and they continue to harass me by sending me mail everyday from their XXXX, CA address. I have tried repeatedly to get Portfolio Recovery to stop sending me mail, to remind them to follow the law and they continue to ignore my requests. See attached documentation as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I can not get copies of the original loans documents so I can hire an independent auditor to determine if all of the costs from forbearance agreements and fees and interest are accurate. 
I also want to find out how to be part of the class action group suing Navient for the many complaints filed against it by the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: GA

Complaint narrative:
I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXXXXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that XXXX, XXXX, and TransUnion investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.

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 2018-06-26 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: GA

Complaint narrative:
I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXXXXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that Experian, XXXX, and XXXXn investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.

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 2018-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
I asked Flagstar in late XX/XX/XXXX before they referred the matter to their attorney 's office if there was any issues and their call center rep. advised as long as I paid it I can disregard their notices. I advised that I kept my money order receipts. In XX/XX/XXXX I got a letter from Flagstar 's attorney 's office, XXXX XXXX of XXXX XXXX, KS, advising of an intent to foreclose. After speaking with a different Flagstar rep. I discovered money order missing and not applied. I had to send some money orders TWICE because they returned the money orders back to me stating the account is past due so they can not accept my payment. I believe this was done to intentionally make it difficult to get out of foreclosure status. The only problem with that foolish explanation is ; how is anyone to pay you money they owe if you send it back? Payments made after these actions have been applied and accepted UNTIL RECENTLY. Flagstar currently has {$1300.00} of money order in their possession that have not applied, nor returned, nor sent to their attorney 's office for my account to be credited. Only when I called Flagstar on XX/XX/2018 did a supervisor finally advise they can't take my payments because it's been referred to their attorney 's office. He refused to comment on what happened to my {$1300.00}, or where to send my payment. I do have the funds to get out of foreclosure ; however, Flagstar seems to be INTENTIONALLY making it difficult. AND there is still the issue of the missing {$1300.00}. I suspect Flagstar is making it difficult because the loan is only {$61000.00} but the equity of the home has brought the value to {$85000.00}. Regardless of the value, it's unfair to consumers to give them the run around, take their money and not apply money after the company has taken it. Furthermore, because of Flagstar 's inconsistency in taking and applying payments I have had to certify mail things at my own expense only for Flagstar to not apply payments AND not return the money.

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 2018-06-26 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: AZ

Complaint narrative:
I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and not mine : XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018

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