vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have contacted the company LVNV Funding on  XXXX / XXXX /   2017  and contacted them numerous times up till  XXXX / XXXX / 2017  and have explained to numerous representatives that I have paid the company  XXXX  on  XXXX / XXXX / 2017  and stated I have a receipt paid of the balance owed and I was told by LVNV representative that they can not update their collection records with my receipt and they were not going to update this on my credit report I have contacted  XXXX  which stated they are going to transfer my debt payment to th e LVNV Funding deb t collector and I have not had any progress on a debt I fully paid as this still is affecting my credit in a way that banks think I still owe and I do not have a balance owed to  XXXX  and LVNV is still trying to make me pay a second payment to their company and does not want my receipts of full payment from  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had several deferred loan modifications with Well Fargo Mortgage. Between the years of XX/XX/XXXX and XX/XX/XXXX. During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In XX/XX/XXXX I was one of the consumers who really could not afford a mortgage but was given a loan any way from XXXX loan and some time shortly my loan was transferred to Wells Fargo. I knew there was a law suite with Wells Fargo but I did not under stand why. Can someone please tell me where do I stand on this issue.

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 2017-06-03 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
the credit line on pg  XXXX  shows   XXXX   XXXX   XXXX   in collection of  XXXX  past due with original creditor being   XXXX   XXXX   XXXX   XXXX   XXXX   and then on page  XXXX  it shows the same account   XXXX   XXXX   XXXX   closed and written off so its a duplicate acct I have sent a letter ove r 3 m oths and no reponse and the duplicate line is still there

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 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

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 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in  XXXX  are the ones I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed a collection account added to my  report  XX/XX/17  f  ro m  XXXX   XXXX . I immediately sent a letter via certified mail, fax and to the thei r executive em ails on   XX/XX/17  t o verify and validate this debt.   XXXX    notified Equifax that this account was being disputed  HOWEVER continued to collect on this account without sending me documents to validate and verify this debt. I immediately notified   XXXX   XXXX   of their violation and their failure to respond to my letter within 30 days. I also sent all necessary documents to Equifax requesting deletion for the c ompanies failure to comply with my request and the fdcpa. I filed a complaint wit h the BBB, CFPB an d the attorney Generals office in both Texas and Washington against   XXXX   XXXX  , and the company sent a response that they would immediately send a request to the credit bureaus to remove this negative account. I have attached that letter for your rev iew. I have called Equifax and spoke with a supervisor would could not confirm that they received my packet with over 60 pages of documents to validate my request even though it wa s sent certified mail and a return receipt was delivered to me. This is frustrating and this inaccurate data is affecting my credit report. Please remove it at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Interest keeps going up and my loan is as much as what a house costs I do n't think the interest is correct and I am unemployed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: SC

Complaint narrative:
Terrible experience with F ed LoanServicing.  I am in the PSLF program. When I submitted my first ECF, my loans were switched from  XXXX  to FedLoan. I received no credit for past qualifying payments for PSLF that were amde while being serviced by  XXXX . I called a few times and finally someone was able to " help '' me.   They said my account files needed to be thoroughly reviewed, and that I would learn of the results of the review  in 12 weeks. It has been more than 12 weeks and no one is able to say anything other than : File is still being reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: CA

Complaint narrative:
I am very tired of Experian defying the law and NOT sending documents when REQUESTED by a consumer. Experian is a terrible company and should not be allowed to get away with adding whatever they want to consumer 's credit files WITHOUT properly verifying the information. I have submitted a dispute and Experian simply refuses to DO THEIR JOBS! I asked for hardcopies of what information they received to verify information and instead they send me a letter stating they will not remove accurate information. Again they DID NOT SEND ME WHAT I REQUESTED AS A CONSUMER. THERE IS FEDERAL LAW THAT THEY MUST ABIDE BY AND THEY ARE NOT. These are the same people who lied about the scores they were providing consumers with so why should they continue to be trusted. Funny enough I contacted the SAME CREDITORS WHO EXPERIAN SUPPOSEDLY VERIFIED INFORMATION FROM AND THEY TOLD ME THEY DID NOT GET A REQUEST FROM EXPERIAN TO VERIFY THE INFORMATION I AM DISPUTING ON 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 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
faxed two letters to Equifax to have a judgement removed. and it has not been removed.  XXXX  and  XXXX  have removed the debt. The debt has been paid and is no longer owed. I have my expungement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: IN

Complaint narrative:
Debt is from a credit card that was discontinued several years ago. Since that time I had attempted to file for bankruptcy but my lawyer died and it was never completed. I had no contact from collector for years and forgot about the debt. In   XXXX    , I was notified that I not only owed the amount previously due  ( which was close to {$6000.00} ) but owed a total of over {$20000.00}. A court settlement was completed without any real chance to dispute and my paycheck has been garnished since. I have paid over {$9000.00} since this settlement and still owe over {$20000.00} due to interest. I am the only person in my household that is currently employed and know very little about how to dispute these charges. I need help with getting this paid down and off so that my wages can go back to normal and my credit can begin to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
In XX/XX/XXXX US Bank did not supply me with an Escrow analysis or a year end statement as in previous years. In fact In complained about in here in CFPB, because they had sent letters saying they were sure There was going to be an escrow shortage. Then between XX/XX/XXXXand XX/XX/XXXX, they change the amount 3 times. Without providing any documents of the escrow and just sent an amount with no, accounting. During that period the record shows that I filed 2 complaints with the CFPB. US Bank delinquency in providing me with the amount of the shortage actually created more of an issue. Instead of providing a year end statement and escrow analysis in XX/XX/XXXX which would have afforded 6 months before taxes were due, the bank waited until XX/XX/XXXXbefore providing documentation and that only after I complained the second time. That effectively left me 1 month to prepare. In fact, if the analysis had been in XX/XX/XXXX, then the 6 months could have shown a smaller monthly increase to cover the shortage, rather than a big bang the month before the taxes was due for the 1st installment. <P/>I found that to be rude and non customer-centric. <P/>I received a notice in XX/XX/XXXX that defined the terms of the payment. The shortage amount as listed as XXXX and it was added that if I were to send in that amount then my monthly PITI would be XXXX. <P/>So I sent in the check ( # XXXX ) for the amount of the shortage which was delivered to US bank on the XX/XX/XXXX, deposited on the XX/XX/XXXX and posted on the XX/XX/XXXX. The check was clearly marked Tax escrow only.
<P/>
My bank is also showing an ACH transfer ( XXXX XXXX ) delivered on the XX/XX/XXXX for the amount of XXXX matching the PITI which was dictated by US bank as the amount of my mortgage starting in XX/XX/XXXX should I chose to pay the shortage. <P/>I have received a statement from US bank saying they are using a suspense account, that they are charging late fees ( XXXX ), and that my monthly PITI is 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 non-monetary relief
Consumer complaint received 2017-06-03 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: SC

Complaint narrative:
There has been several disputes submitted online to have the inquiries removed. Equifax keeps sending results saying they have been verified. I need to see proof that these have ACTUALLY been verified. I do not recall authorizing. Under the Fair Credit Reporting Act, noone can request my credit without my permission. I would like to be shown proof that I in fact authorized this inquiry, or please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NV

Complaint narrative:
I was quite surprised to see a late fee on my Discover statement for closing date XXXX/XXXX 2017. I was perplexed because I am careful to pay my bills on time. Looking at my check book, I saw that I had not made the payment due on XX/XX/XXXX. Checking in my Discover folder, I saw that there was a XX/XX/XXXX statement, but noXX/XX/XXXXstatement.
<P/>
If XXXX XXXX can sign up customers for new accounts without their permission, then Discover can certainly fail to send out a few monthly statements to get extra late fees that month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have complained before the CFPB about Sun Trust bank charging over drafts where there is no overdraft feature enabled on the account and charging maintenance fees for getting a receipt of a deposit or withdrawal transaction at Sun Trust own ATM. They refunded most of the fees but they have not refunded one of the XXXX dollar charges that was for a receipt at their ATM. This is a Maintenance free account. <P/><P/>Also Sun Trust prevents me from seeing my balance at their ATM during transactions, which seems to be a trap that could cause overdraft. <P/>If I ask the machine what my balance is then they will charge me for a balance inquiry. In addition, I have 1 checking account and 1 savings account, yet Sun Trust ATM lists 2 chk accounts when I go to make a withdrawal, again this seems like a trap because the savings account only allows for a limited number of withdrawals per month from the ATM without penalty. <P/>Sun Trust appears to be making calculated efforts to manufacture fees and penalties by withholding balance information at the ATM and by masquerading the savings account as a checking account during the withdrawal process.

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 2017-06-03 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:
This is the last time I try resolving this here as my problems are being ignored. If not full resolution I will be contacti ng my Congressman and Senator to for ward me to a higher authority. I filed a complaint because info that was not mine was on my report. PAY Attention. t hat 's 1 ... ... ... 2. tax liens, ... ... 3 I can not even access my report or the dispute results because Experian blocks me. " We are unable to honor your request to access your report online. '' this is what I get when I follow the link from Experian 's email stating 1. the results of my dispute are available. 2. that there has been  a change to 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 non-monetary relief
Consumer complaint received 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had several deferred loan modifications with   XXXX   XXXX   XXXX  . Between the years of   XXXX   and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In   XXXX   I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.

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 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had several deferred loan modifications with XXXX XXXX XXXX. Between the years of XXXX and XXXX. During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In XXXX I was one of the consumers who really could not afford a mortgage but was given a loan any way from XXXX loan and some time shortly my loan was transferred to XXXX XXXX. I knew there was a law suite with XXXX XXXX but I did not under stand why. Can someone please tell me where do I stand on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had several deferred loan modifications with   XXXX   XXXX   XXXX    Between the years of  XXXX  and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In  XXXX  I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.

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 2017-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I have no knowledge of this debt. I never received a right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have repeatedly attempted to get my accounts status corrected with Experian.     I was just declined credit due to the fact that there is inaccurate and erroneous information on my credit report. I have a Chapter  XXXX  Bankruptcy that was discharged in   XX/XX/XXXX  . They have an account that still shows as " Charged Off '' I just a ttempted ( XX/XX/XXXX  ) t o get credit and was denied. I was told that the reasoning is there is a charge off on my account showing. I have attempted to dispute AGAIN the status of this account and all I got back from them is " We have already investigated this information, and the source, creditor or public record has verified that it is correct. If you still have a question about it, you may want to contact the source, or if you have additional relevant information, click here. '' With no option to have this error corrected.  <P/> This account was included in my Bankruptcy and discharged along with other accounts that show a s " Status : Discharged thro ugh Bankruptcy  Chapter   XXXX . '' But fo r SOME reason this one car d shows as " Account  Charged  Off '' even though they were all part of the SAME Bankruptcy.  <P/> Experian is making it even harder by telling me there is nothing they can do as the company says the status is accurate even though you can tell just by LOOKING at it that it 's wrong. And today it cost me.  <P/> My next step is to file a FCRA complaint as there is no way that this account is " Charged Off '' there is no validation for that and of course..Experian does n't care.

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