vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 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: MI

Complaint narrative:
I recently disputed credit reporting of an account on my credit report with Equifax. I received a response from Equifax and the data remains incorrect. 

I have attached Equifax response, confirmation # XXXX dated XX/XX/XXXX. 

I am disputing the recorded date of first delinquency reported on my Equifax Credit Report for XXXX XXXX Account # XXXX. 

Statement of Facts : My Equifax Credit Report contains two mortgages : XXXX # XXXX and XXXX XXXX # XXXX. 

The First Date of Delinquency is recorded as follows : XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX. 

The information provided for XXXX is correct, the first date of delinquency is indeed XX/XX/XXXX. In Equifax response to my complaint, they provide detailed month by month delinquency from XX/XX/XXXX thru XX/XX/XXXX. This mortgage stop reporting to Equifax in XX/XX/XXXX because it was transferred/sold to XXXX XXXX. 
I have included a copy of the transfer deed in this complaint to record the actual transfer of the mortgage. 
What remains incorrect is the reporting of XXXX XXXX as the date of first delinquency as XX/XX/XXXX. This is the same mortgage as XXXX, it was simply transferred to them in XX/XX/XXXX. 
The Fair Credit Reporting Act ( FCRA ) defines the Date of First Delinquency ( DOFD ) as the date a consumer first becomes 30 days late, and never brings the account current. 
This account were never brought back to current from the original first date of delinquency reported by XXXX ( XX/XX/XXXX ). A simple review of the payment history on my Equifax report shows this information. 
According to the Fair Credit Reporting Act 's Furnisher Rule in the Fair Credit Reporting Act, lenders shall prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers. 
Based on this information, the XXXX Account should be reporting the date of first delinquency as XX/XX/XXXX to match the XXXX Account. I have attached documents supporting this information to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
This has been the 4 debt collector Trying to make me pay a debt that I don't owe. i have dispute the same XXXX account 3 times Through the credit bureau and it was dismissed. That information keep getting sold to another debt collector harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am the cosigner on a loan and receive statements from Discover Student Loans. I did the math on a recent statement and found that the actual interest rete being assessed was 10.768 % while the statement had an interest rate of 8.365 % listed. Also the information that is given to the student that is paying the loan back is different than the information given to me and the effective interest rate is higher than the published rate on that statement as well Can they get away with this deception?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: PA

Complaint narrative:
I've called in to both Experian and XXXX to remove alerts and freeze I requested due to my background check coming back as not being mines, because of Experian spelling my name incorrectly as result if a background check from XXXX XXXX. Every time I spoke to different representatives even from another dept. I was asked questions to verify my identity that lead me to wondering if people are opening up credit cards, lines of credit in my name. When I asked the reps if this is showing on my credit, I keep being told that it's not that this infor. is on my credit reports, but, these are the questions they are showing to ask me in order to identify who I am. This made no sense to me ... 
Therefore, please investigate if anyone has open any lines of credit for auto insurance, or any credit cards, any type of accounts for any auto services & purchases. I have never requested or had any vehicles! I have never even applied for a driver 's license to have need to request for any auto insurance. Please, find out if anyone has open a line of credit for any jewelry, property or anything using my identity : name, social security, etc. These questions are being asked for a reason. When I am unable to answer due to not recognizing these companies or this infor. I am told that I am unable to be identified by reps. 
When I tried to go online to take care of them matter myself, I have had problems with being allowed to log in even after creating usernames & passwords. I did get in to XXXX XXXX website, but was suddenly logged back out. Then sent a message the the password I created & got in with, no longer works ... I was trying to removing alert, freezes to apply for a mortgage as a 1st time home buyer, which is my 1st time only doing this. I came across this problem. This is all for this. I believe that all of the cases I have had to report are connected to " politics '' being done against me due to retoliaton of putting my daughter 's college under investigation for suspecting fraud with loans ... ( I do choose my battles- if red shirt, please believe me. ) I have had to report to the EEOC as well. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: SC

Complaint narrative:
Americollect Inc XXXX. XXXX XXXX XXXX, WI XXXX phone : XXXX amount {$55.00} amount {$440.00} XXXX XXXX. is a 3rd party debt collection company. Americollect sent me a validation notice to dispute their debt on XX/XX/XXXX2019 and I responded with a Validation Notice on XX/XX/2019 via certified return receipt. 
Americollect responded on XX/XX/XXXX2019 with verification of a medical debt from a different company that has never contacted me about this debt. As a result of Americollect 's validation tactics, they have violated my H.I.P.P.A rights. I responded to their statement on XX/XX/XXXX2019 with a Non-Negotiable, Notice Of Default, Opportunity to Cure Notice via certified return receipt allowing them 10 days to produce true and accurate information that I owed them anything. 
As a result. Americollect responded on XX/XX/XXXX2019 saying they have received, verified, and validated with the current bureau ( s ) and has responded to me. After reasonable investigation my dispute has been deemed frivolous or irrelevant. My credit score was damaged 100 points due to Americollect 's fraudulent activity. Americollect never validated the alleged debt and also violated my H.I.P.P.A. rights. I responded to Americollect on XX/XX/2019 via certified return receipt with a Cease and Desist any and all further action notice of intent to sue. 
Americollect should not get away with fraudulent claims especially when there is no contact that binds me to pay them.

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 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Please refer to my earlier CFPB complaints about this bank ( ally bank ) : XXXX XXXX My husband was told by XXXX ( from Loss and Prevention Department XXXX and email XXXX ) that the entire will be taken care of. I had already wasted 45 minutes last week in terms of dealing with them. Another 1 hr 45 minutes yesterday to contact the Loss Prevention department. Yesterday i was told that my husband should be speaking to them-I have no idea what's going on? 
My husband has already spoke to them multiple times and sent numerous emails. 

This bank is very notorious and cheap - very long wait time - around 2 hours some of the time-why not they hire US Workers locally. 
It's not at all clear what needs to be done ... my spouse was told to send {$3200.00} so that account will be closed. He already instructed them via email. 
We had a check of {$830.00} which for more than 2 weeks back was deposited. We have no idea what happened to the check?

Yesterday i received this letter from them to pay them money ... after that myself and spouse are wasting time to reach out to them and on hold of more than 2 hours. This XXXX guy is not available ... if we speak to somebody else ... we get a different story ... this bank is really good for nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 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: AES/PHEAA
State: MD

Complaint narrative:
In XX/XX/XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/XXXX and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted FedLoan multiple times in XX/XX/XXXX and XX/XX/XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have no clue what this debt is or where it came from. It appeared on my credit report with a balance. I am positive that this debt is not mine. Please provide the original document with my signature stating that this debt belongs to me. I also have proof that I have been a victim of identity theft and this may be something connected to this debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This involved a XXXXXXXX XXXX  XXXX credit card ( XXXX XXXX XXXX ). On XX/XX/XXXX, I  paid the amount due ( {$34.00} ) online. I received a confirmation email from the XXXX XXXX XXXX. I used my bank account number ... sometimes the bank ( XXXX ) requires a " 0 '' in front of it, other times not. When there's an issue with the " 0 '', I am immediately notified and have NEVER been penalized for it until now. Apparently in this case the bank required the " 0 '' because unbeknownst to me they sent the payment back, and not only did the XXXXXXXX XXXX XXXXXXXX add a late fee but also a return fee of some {$27.00}. I had no idea this was the case until I got an email a few weeks later saying my account was overdue. I was shocked, called them, paid the {$34.00} and they said all of the other charges would be removed. I received a second payment confirmation email from them on XX/XX/XXXX. 

Then, on XX/XX/XXXX I received yet another message that I still owed them money! Something like {$58.00} or so. I called them yet again, wasted another 45 minutes on the phone with an obnoxious customer service rep and finally a couple of supervisors, who said they'd drop the late charges, but were out the {$27.00} because it was a fee that they'd had to pay the bank for the rejected account. I called the XXXX -- they knew nothing of it and there was no such record of any charge ... they do not charge if someone puts through a payment and it is rejected. So XXXXXXXX XXXX  XXXX is lying and my account is still past due and they will keep adding to it because I refuse to pay the bogus {$27.00} ( Now {$28.00} plus change because they charge interest ). 

I don't have any recourse I suppose, nor do I have any rights regarding this. Of course I complained to them and kept trying to resolve the issue but they are unreasonable. If I owed them money for goods and services or was late in payment I would understand. But this is utterly and totally ridiculous!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Ncb Management Services re-age my account after I sent in my dispute forms. Which is a violation. I feel like that isnt right. Even the creditor re-age theres as well, XXXX Consumers. I have pictures to show you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: MD

Complaint narrative:
In XXXX of XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/XXXX and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted XXXX multiple times in XXXX and XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my 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 2019-04-12 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: MD

Complaint narrative:
In XX/XX/XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/2018 and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted XXXX multiple times in XXXX and XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XXXX of XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/XXXX and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted XXXX multiple times in XXXX and XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my 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 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Utilized my free credit report with TransUnion, however they ended up billing my Credit Card for a monthly service ( {$24.00} ) I have no intention of using and did not sign up for. 

I have no account with them to sign in with and cancel the services myself.

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 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
In XXXX I got a divorce and was awarded my home and I been trying to get a loan modification from XXXX then i was told that Cornerstone was a servicer and I have to work with them so I Had my lawyer to send them numerous letter so they could work with me to get a interest rate decreased since I am paying almost nine percent on this loan and then Cornerstone sent me modification forms that I fillled out and faxed to them ten different times because everytime I called i get a new person they would say they are missing something but they was not Because they sent letters to me saying they received everything i also went to a Hud counselor that they refused to speak to and he also sent them information that I was also I just got another lettter of deniel saying I did not have enough income and that XXXX XXXX was my loan holder I went to XXXX and they said that my loan is with XXXX with the servicer being Cornerstone Yesterday i received a letter that they had not received a payment in XX/XX/XXXX I have been going to court with Cornerstone/XXXX numerous times since the year XXXX and each time i went I proved that I was right and not behind and that they was wrong even checks that XXXX cashed as well as Cornerstone i just want the chance to pay off my loan in a timely manner and time I am not behind and I do pay them every month I only owe XXXX but with me have to pay my attorney and theirs I will never get the chance to pay off this loan. Yes i know i was behind years ago but not now I feel that they are not giving me a chance to pay my loan I was in a abused marriage for XXXX XXXX years and now I am being judged and abused by my mortage company also

Company response to consumer: Closed with explanation