vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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:
Recently my attorney and I settled for an undisclosed amount with XXXX  because of their failure to comply with the fair credit reporting act section 605B pertaining to identity theft. I have recently sent XXXX A new FTC report and police report but according to their records they dont even have the FTC report or police report that was used for the settlement that they had at one time. I find it interesting that this particular credit bureau had a major security breach which unfortunately I was a victim of. Recently we settled a lawsuit because of their failure to comply with the fair credit reporting act and again I am making a complaint prior to suing them again hoping that they will make a correction giving this credit reporting agency the benefit of the doubt. But unfortunately even after I sued them and won They still failed to comply with the FCRA using other countries to answer their calls and process the data for disputing and these countries are not familiar with the FCRA because when I questioned their representatives they are absolutely oblivious to the laws.

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 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm am sending to correct metro 2 compliance form with errors that is reporting

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 2021-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: MO

Complaint narrative:
When I started doing business with this company, part of my payments went towards principal. Since COVID hit, they have started applying payments to interest only. And I'm fairly certain that they raised the interest rate so that the pay off amount only gets bigger. I have contacted them directly with no response and I reported them once through the XXXX. They made a credit to my account t once and I thought they may have actually corrected the problem, but it has resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Several Private Primary Academic to Graduate-Professional Student loans were compromised post final payments disbursed and settlement agreements confirmation by multiple lenders for graduate programs within the USA. Multiple state universities and colleges have filed and successfully submitted ( won ) cases involving money laundering and student loan theft in connection with the graduate dissertations, loan approvals, loan payments to the universities and colleges ( domestic/international ), congressional boyfriends ( XXXX men names none disclosed ) claim of underwriting extortion by my degree issuing schools, consolidated loans scams aimed at former full time employment agreements, stock ( probate scams/ market savings/403 ( b ) /401 ( k ) / Private IRA ) options fraud within majority of US corporate entities and accounts. Inheritance of ( XXXX XXXX XXXX XXXX stock records + acquisition of original & renewal ( bonds/free-sale/booking slots ) options which are being used as active military death threats by several actual and impersonating chiefs warrant officers in advance of organized criminal communities since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Send info to attorney general concerning how this modification was completed. In it shouldnt have been completed in the manner it was. It was done in a estate when the estate no longer existed but I was included as a co-borrow, but I never receive credit for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems
State: SC

Complaint narrative:
That debt was paid off and they selling it again XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have reason to believe wells fargo bank opened at least 1 account without my permission.

I called there 800 number and they would not help. I was told to go to local branch. So I did the person there was honest. They can only see active accounts and ones just closed.

so there not being helpful in this at all.

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 2021-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: MA

Complaint narrative:
I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY A IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE THEM. 

PORTFOLIO RECOVERY A # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 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: ECMC GROUP, INC.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is 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 explanation
Consumer complaint received 2021-08-23 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: American First Finance, Inc.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: CO

Complaint narrative:
Hello. So about 4 years back I was part of a gym, XXXXXXXX XXXX XXXX in XXXX. When we moved from the west side of the city, to the east side of the city, I tried to cancel my month-to-month contract with the gym. This is where things became impassable. At first I went in, in person to cancel, but was repeatedly told the manager that handles the cancellations is not in. Of course I asked when they would be in next, but was never given a straight answer. I tried to call at least a dozen times, was given the same answer every time, the manager wasnt in. Theyre a meat head gym, so they dont have or use any emailing system. If they do, I never saw the address/they certainly didnt make it readily available. I vividly remember talking to my mom during this time and being extremely upset about the situation because I knew, eventually, it would come to this ( collections issues ). So, I was forced to contact XXXX XXXX and to have them deny the request for charges that way. Meanwhile, they were getting months of payments, while I wasnt using their service, and havent been there in 4+ years obviously. I was just rejected for an XXXX XXXX  when technically, I see a XXXX credit scores as of today, because I have XXXX derogatory remark on all of my accounts, all from a month-to-month contract that I exhausted the means by which to cancel, many times over. I am so tired of dealing with the business and the collections agency. I have disputed the claim with the credit bureau at least twice, nothing. I refuse, absolutely refuse, to pay this bill. I did not over use any service ( they in fact got many many more months of payment when I didnt even go to theyre gym because we moved ), they refused to cancel my membership, then the pandemic happened, and they were completely shut down, I tried sending a letter to the gym, but obviously, it was returned because they were closed and not receiving mail.I have no idea what else to do. And again this was well over 4 years ago, Id be beyond shocked if even the gym has paperwork to support their claim. I have no paper trail because, again, they were closed due to the pandemic, and they had no email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: ERC
State: CA

Complaint narrative:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Collection Service Inc (GA)
State: AP

Complaint narrative:
I was a tenant at XXXX XXXX XXXX, at the time owned by XXXX XXXX. I completed my move out inspection and was told that I did not own anything. I am active military, so upon my departure by way of change of station, the called to make sure that I was halfway across the country to do another " inspection '' and added a list of charges long after my departure. XXXX XXXX later told me that they will remove the debt after Intold them what happened and they found my original move put inspection. However, they sent the fraudulent debt to a collection agency " PROFF COLL '', and XXXX no longer own the property. When I called to figure out why it was on my credit report, the current owners told me that XXXX no longer owns the property and that they do not have any record of my account. I believe this fraudulent debt should be removed from my credit report. My credit score is above 800, even with this fraud, and I make over XXXX XXXX. Therefore, I would not let a {$390.00} debt sit in collections if it was valid and I actually owed it. If it was actually my responsibility, it would have been paid long ago before it became past due.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated/ incorrect under 609 or HEPPA, or can not be verified. as is my right, I am requesting verification of the following items.

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX Balance : {$700.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$160.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Balance : {$580.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$76.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature otherwise remove this account from my credit report. I request that all future correspondence be done through email

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 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I refinance my mortgage I had with BBVA, I'm with a different lender now. BBVA was never my primary bank, I only had my checking account to pay my mortgage and HOA via Bill Pay. I have cancelled my only bill pay with BBVA for my HOA like 3 times now and it keeps trying to send the payment out again. Not only was my mortgage pay-off of $ XXXX lost for almost 30days because BBVA applied it to the wrong account, now nobody can help me with this Bill Pay issue which has caused my account to overdraft. I have called the customer service XXXX number about 5 times about this issue, I have hung up on and transfer to different departments with NO solution. I need help to stop bill pay and close this checking account, now I'm receiving letters from XXXX to pay a balance of {$55.00} and BBVA that I'm overdrawn {$150.00}. Why? I tried closing this account and stopped bill pay in XXXX XXXX. This is BBVA error and NO one can help. I don't use this account, it had a XXXX balance. attached are screenshots of canceled bill pay and a few days later I get an email my HOA payment is going out! I need BBVA to write a letter of explanation to my HOA company stating their Bill Pay error that has caused {$90.00} NFS fees with my HOA company and they need to be responsible for these fees and close my checking account. Canceling bill pay should not be so complicating and there should be support for cases like this. I don't owe any overdraft fees, I did my part and canceled bill pay 3 times and it keeps sending the payment. 

XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
On XX/XX/20 XXXX XXXX XXXX.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming 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 2021-08-23 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: M&T BANK CORPORATION
State: NC

Complaint narrative:
I purchased my first home in XXXX of XXXX. 3 weeks after purchasing my home, I was put on furlough through my employer and my hours were cut in half. Unfortunately, I did not qualify for unemployment because I made to much ( even though my income had been cut in half and all of my bills stayed the same ). 
I contacted XXXX  and they offered to defer the payments, but I knew I could make them ... it just may take a little longer than the 30 days you are given. 
I have made every single payment on my home. Whenever I got a stimulus check I put every dime toward my house payment. 
Unfortunately, M & T bank took over my loan and even though I was told I would not have any " late payment '' marks on my credit & there would be no fees for the late payments as long as they were made, I now have 7 late payments ( one of which is for XX/XX/XXXX and that payment has been paid ). 
My credit score has dropped over 150 points just from those remarks and they have charged me over {$500.00} in fees. 
Over the last year, every single payment and late fee has been paid. I will gladly pay the late fee, as a courtesy since I was in fact late. I have spoken to several people at M & T and all refuse to help me with the late fee remarks on my credit. I shouldn't have my credit ruined when half the world was able to go without paying their bills at all ... and the WHOLE world was in the middle of a pandemic.

I would really appreciate it if M & T mortgage would take off all of the 7 late payments they marked on my credit so that I can work toward rebuilding what covid has messed up. I will no longer have any late payments ( I have since returned to work, all payments are current and will stay that way ).

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 2021-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MO

Complaint narrative:
Fed Loans acknowledged receipt of my Public Service Loan Forgiveness ( PSLF ) Employment Certification & Application Form on XX/XX/2021. On XX/XX/2021, Fed Loans requested additional time to review my Certification and Application. To date, Fed Loans has not provided any additional updates on my request. 

When I previously filed a PSLF Employment Certification & Application on XX/XX/2021, my Certification was processed on XX/XX/2021, less than one week after filing said Application. The current length of time for Certification is therefore unreasonable. 

I would like Fed Loans to approve my current Certification and Application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Grain Technology, Inc.
State: PA

Complaint narrative:
A couple months ago the account popped up on my credit report. I disputed it and it was removed. Then recently I noticed the same company was back but on another credit bureau. 
XX/XX/XXXX, I disputed the account on my credit a second time. 
They didnt remove it this time. 

I never heard of this company, and I would like for this to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Never received any bill for XXXX or XX/XX/2019 company has zero website zero mobile app they had my info mixed with other company was also notified of intent to restructure as vessel was only acquired under the assumption it would be converted to auto transmission Also advised it would be listed as auto loan it is improperly reflecting as a secured personal loan they have ignored all requests for restructuring and dismiss all attempts for two years to correct to ensure i have the right unit they have shown zero care Also unit has multiple recalls

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I got a Serve Debit Card. I had it registered and I loaded the card with {$500.00} at a XXXX. I tryed the card three times and it didn't work. I believe the company is American Express.

Company response to consumer: Closed with explanation