vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
This is a request to reopen a complaint given the following : The company argued in their response that the loan was disbursed in XX/XX/XXXX. All loans were disbursed prior to XX/XX/XXXX ( the year I finished my XXXX degree ). After completing college I immediately served two XXXX terms, and a term in the XXXX XXXX ( post XXXX ) prior to becoming a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. As such during that time I was eligible for 1. {$0.00} payments and 2. PSLF. None of these were honored during this time. 

In a phone conversation with FedLoan in XX/XX/XXXXof this year it was confirmed that the situation should be backlogged, and that my time and payments should be adjusted. In particular, given that I adequately notified FedLoan that I was in the XXXX XXXX ( just as the XXXX XXXX gave notice to the U.S. Dept. of Education ) I should have been immediately enrolled in deferment, however I was charged and put into default. 

Overall, the company 's response is inherently false, as the loans were disbursed from from 8-3 years prior to the date listed in the response. Moreover, despite numerous documented attempts to enroll in PSLF I was disallowed, or disqualified for capricious reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
the violation repo is an FTC violation sent to the police dept and the creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have submitted in writing to XXXX XXXX XXXX in XX/XX/XXXX. Regarding XXXX XXXX XXXX conducted unauthorized hard credit inquiry without my consent in any form and without having my social security number for internet service that was set up in XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has emailed stating they would submit a request to Equifax to remove the credit inquiry and states process would take upto 45 days to complete As now XX/XX/XXXX nothing has been resolved. 

I contacted Equifax on numerous occasions including XX/XX/XXXX 21 min call, XX/XX/XXXX 17 min & 22min call, Representative states I need to submit a letter in writing to Equifax to open a dispute for issue i am calling regarding XXXX XXXX XXXX.With the following information : Full name, phone #, Current address, specific info disputting and two forms of verification from https : //help.equifax.com/s/article/What-documentation-should-I-send-in-to-validate-my-ID-or-address Equifax Representatives also states on several occasions we do not have enough information on file to access your file I asked on several occasions what do you mean you dont have enough information on file Considering I was able to get my Equifax credit report through XXXX? 
All the representatives spoke to keep repeating the same thing except the last agent on XX/XX/XXXX he stated i need to send two forms of acceptable verification. 

XX/XX/XXXX I sent a letter enclosed with dispute and two forms of acceptable copies of verification as stated on https : //help.equifax.com/s/article/What-documentation-should-I-send-in-to-validate-my-ID-or-address I sent in a copy of driver 's license and a copy of my Utility bill with the correct address for internet Documents were received by Equifax on XX/XX/XXXX via USPS with tracking XXXX XX/XX/XXXX 1hr, 39mins. XXXX CST I spoke to an Equifax customer service representative and an Equifax XXXX Consumer Care supervisor ( i believe her name was XXXX ) who states my document have received and reviewed. But then once again Equifax representatives states We dont have enough information on file After they have asked for my name, address, and social security number verbally over the phone which was the identical information that was presented on my Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Fleet Financial, Inc.
State: FL

Complaint narrative:
I am formally listing a complaint against iLendingDirect.com. I received an offer for credit to refinance my vehicle at 84 months with a 3 % rate indicating an approval for the terms based on a soft inquiry. The lender then proceeded to make an unauthorized hard inquiry and offered terms substantially different than the terms ( 100bps higher ) expressed in the offering. Their marketing strategy is deceptive, offering teaser rates and terms they are not able reasonably extend to an individual. As this company has engaged in such deceptive tactics, I felt it necessary to report this activity to the CPFB. Please contact me with additional questions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: TX

Complaint narrative:
the violation repo is an FTC violation sent to the police dept and the creditors

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 2019-09-17 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: TX

Complaint narrative:
the violation repo is an FTC violation sent to the police dept and the creditors

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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX gives error message saying " The XXXX website is not currently available at your location. '' XXXX XXXX XXXX XXXX XXXX XXXX. I'm accessing the site from within the US. Incidentally, why would you restrict access to the site for Americans abroad? How would a US citizen living or working abroad ( e.g. military, etc. ) get a copy of his credit report? Only by mail? Most CRAs will not use a foreign address.

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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
SOUTHERN MANAGEMENT SYSTEMS IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT! REMOVE ALL NEGATIVE ITEMS ON CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: NV

Complaint narrative:
There are errors on my credit report that need to be removed.

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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: UHG, LLC
State: MO

Complaint narrative:
Debt was originally held with XXXX. 

XXXX transferred debt to : UHG I, LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX on XX/XX/2019. 

On XX/XX/2019 I recieved a message from XXXX and XXXX XXXX, a debt collector with website https : //XXXX/ and phone number ( XXXX ) XXXX. 

The voice message transcript recorded at XXXX XXXX from them to my voicemail was as follows : Hi yes I'm looking for XXXX XXXX, XXXX my name is XXXX XXXX Private Career so I'm trying to make contact with you in regards to some documentation they actually are legal documents I'm scheduled to issue out to you I a.m. scheduled out in the jurisdiction on Monday afternoon. Now because these are legal documentation that you will need to have a valid form of ID your signature will be required at the time of service. The office that has required the service they also do require that contact be made with you at your place of employment. Your employer will need to be notified of my attempts to make contact with you at work tomorrow. Questions, concerns or if you're not gon na be available or if you do need to reschedule contact the filing office as soon as possible at XXXX case number sir is XXXX On XX/XX/XXXX I contacted my attorney 's office this message left on my phone was a " scare tactic '' and that the lady who left the message was not a process server, nor was any legal documentation on file in my county or any other. Further more, their scare tactic to notify my employer was far outside of the scope of fair debt collection. 

I then, also on XX/XX/2019 contacted XXXX XXXX and XXXX to inquire about the message left. The lady who answered the phone refused to give her name, however after verifying my identity said that due to the outstanding XXXX debt, they are " serving me '' for fraudulent taking a loan and for " bad checks ''. Yet another scare tactic. 

I kindly asked them to not call me, but rather to contact my bankruptcy attorney XXXX XXXX at ( XXXX ) XXXX. I was told thank you, and that was the end of the conversation. 

XXXX and XXXX I believe to be an illegitimate attorney office, who threatens to notify employers, as seen in the transcript. They also pretend to be official process servers, and even threaten legal action. Very intimidating. 

I am in the middle of a Chapter XXXX, with XXXX being included as a debt to be discharged under bankruptcy, and the communications I recieved were very wrong.

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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: PA

Complaint narrative:
Today I received a letter from MRS BPO , LLC claiming I owed {$370.00} to XXXX XXXX XXXX XXXX. I owe no such debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Shortly after being approved for and receiving an XXXX Credit Card by XXXX XXXX, it was blocked and placed in a restricted state. They did not at any time notify me that there was any problem, I found out when scheduled charges were getting denied. 

After many support calls and literally hours on the phone with people absolutely refusing to tell me what was wrong, I found out that they had marked me as pending deceased. I was not offered any way of proving that I am alive other than waiting for them to investigate further. 

Eventually I was connected to their fraud department and they requested copies of my personal bank statements to prove that I am not dead, which I find highly irregular and personal. To this date, my card is useless and I have no idea when they will finish investigating my supposed death, who is investigating me, or even why. 

Chat support says I have to talk to phone support. Phone support says I have to chat support. Nobody will take responsibility or give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: NV

Complaint narrative:
There are errors on my credit report that need to be removed.

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 2019-09-17 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: NV

Complaint narrative:
There are errors on my credit report that need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I owe Bridgecrest {$100.00} left on my car loan of {$20000.00}. I asked them not to call my phone any more because they call several times a day. The day after I advised them not to call ever again they called back and even read the notes that had been documented to never call back. that was actually 2 weeks ago. 

Well tonight I actually got a call from them at XXXX XXXX from XXXX as I am asking why they are calling that time of night she never even acknowledged that she was calling out of time zone and was actually quite rude. 
While I do know that I owe them I asked to never be called again and I am most offended because I was called after XXXX EST.

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 2019-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Since Navient took over my student loans, Ive had nothing but problems. I dont think the company is applying my payments to my loan. Ive been requesting my student loan tax document multiple times since early this year. However, Navient refuses to provide me with this document. I had to file my taxes without my student loan information from Navient. It is XXXX and I still havent received my student loan tax document from Navient!!!!!!!!!!!!! 

The company stated that I had several payment options including applying for an Income Based Repayment Plan to avoid default. I applied and was approved for an income based repayment plan of {$100.00} in XX/XX/2019. Even though I dont know where my payments are going, I sent payments of {$100.00} in XXXX and XX/XX/2019. However, Navient is still threatening to default my loan. This company is a scam. They are back to their silly games of refusing to send me my bill statements again now also. They dont want me to know my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient violated my consumer rights-giving my personal information to a third party consumer named Mr. XXXX leaving detail messages on his voicemail like the text message below as well as including a sibling name. 
The voice message asking for a sibling then asking for information about me. Navient voice message stated Navient loan company had no information about where XXXX reside also navient company are saying they have no contact information for XXXX XXXX. Which is not true and this is another violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am having trouble with Citibank 's interest calculations. On XX/XX/19, I submitted a payment of {$24000.00} to my credit card that I believed would pay off the total on the card. This was 2 days before the billing cycle closed and before my statement was completed. When the statement arrived, I overlooked reviewing the statement because I believed the balance was paid off. However, shortly after, I began receiving harassing phone calls for my overdue account. I explained that I had paid off the account, and assumed the error would be corrected. However, this problem continues, and I researched the issue. It seems that rather than zeroing out my account when I paid it off, Citibank charged interest- $ XXXX for a large purchase- $ XXXX that I paid off during the same billing cycle. They then continued to charge late fees for 3 months on the erroneously charged interest. When I phoned to resolve the issue, the operator continued to tell me that the fee is due to the {$990.00} balance I carried over from the prior month. When I told them the interest rate on my card is 15.24 % and the interest should be no more than {$12.00}, they continued to argue, making various points, but none of them holding up to our credit agreement.

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 2019-09-17 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: MI

Complaint narrative:
I am being extorted by a third-party debt collector, they are putting an erroneous account on my credit 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 2019-09-17 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: MI

Complaint narrative:
I am being extorted by a third-party debt collector, they are putting an erroneous account on my credit 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 2019-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am being extorted by a third-party debt collector by attempting to collect a debt I do not owe or even aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am being extorted by a third-party debt collector by attempting to collect a debt I do not owe or even aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX DOB XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX DOB XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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