vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$930.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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 2019-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK

Complaint narrative:
I applied for a secured loan at One Main Financial in XXXX OK. I have previously had a loan with this company in another state and was never denied for a loan. This loan was recommended based on my credit. They first said my student loan debt was too high. I added my husband. They then denied stating my credit score is too low. This loan is supposed to be for those with low credit scores. I believed they denied me based on my race being XXXX. They also denied my son stating his income was not high enough when he also previously had a loan with this company in another state with mo problems and his income was even lower at the time. I believe there are unfair loan practices at One Main Financial in XXXX Ok and I would like to know their rate of approval for minorities. I was seeking a XXXX to XXXX dollar loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MN

Complaint narrative:
Since Selene Finance began servicing my mortgage on XX/XX/2019, they have charged me a grand total of {$8400.00} in fees, including an Advance Balance Fee of {$4900.00} on XX/XX/2019, when I received my first correspondence from them. My prior mortgage servicer, XXXX XXXX, had only charged me XXXX in fees, despite the fact that my account was in foreclosure status with the same attorney. 

The attachments include all statements from Selene Finance except for the XXXX statement, which is missing. I asked XXXX for a copy yesterday, and they indicated they would email it to me, which hasnt happened yet. Also attached are the original Validation of Debt Notice from Selene Finance, showing the Corporate Advance Balance and Other Charges, my last two statements from XXXX XXXX, including my statement from XX/XX/2019, showing that I only owed {$8000.00}. The last document is the foreclosure notice I received from XXXX, XXXX and XXXX last week indicating that I now somehow owe {$21000.00}. 

Per the spreadsheet attached, I am contesting {$8100.00} in fees that I believe are in bad faith and illegal under the FDCPA. Unless this matter can be resolved immediately, I will sue both Selene Finance and XXXX, XXXX XXXX XXXX for misrepresenting the amount that I owe and for trying to collect interest, fees, or other charges on top of the amount that I owe, unless the original contract and State law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to XXXX  and Transunion a collection in the amount of {$930.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy  of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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 2019-08-13 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: FL

Complaint narrative:
Please see unresolved issue in complaint XXXX where company stated they were " still working on '' accurately reflecting my payments toward PSLF. 

Dear Directloan, as my primary concern indicated, your dates for my employment are consistently wrong, and you have rejected my numerous attempts to have you correct same. Even when I follow the direct instructions of your representatives. Again, I left state service in XXXX of XXXX. Since I consolidated, I have always been in an IDR plan. Incidentally and secondarily, I have always paid my balance of $ XXXX {$380.00} and that is what I am able to afford. jumping from {$380.00} to {$1100.00} or even {$830.00} in one month is unconscionable and unrealistic for a single income household. I am attempting to rectify this situation. 

My primary concern is that I should be just a couple months short of PSLF eligibility based on my consolidation from XXXX into DirectLoan/FedLoan. Specifically, I worked for the Office of the State Attorney for the State of Florida from XX/XX/XXXX until XX/XX/XXXX ( 6 years ). I then worked for the Office of the Attorney General from XX/XX/XXXX through XX/XX/XXXX ( 4 years ) for a total of 10 years. All of this information is public record, and I also have wage verification in the form of W-2s and tax information. I have submitted employment verification for you to update this information ( for which I have proof of submission multiple times after XXXX ). In fact, I have sent in that form as recently as last month, and again it has been rejected because you state the employment section is not filled out, even though I checked the box to have YOU contact state HR since I am no longer employed there and am unable to have it verified as per their policy and following the instructions on the form and directly from your representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CA

Complaint narrative:
Due to a hardship I fell behind on my mortgage payments and had to pay some of my payments late. Fortunately, I was able to bring them back to current status. But these late payments are still reporting on my credit report and affecting my credit score. I am asking for these late marks to be removed. This would help me tremendously in building credit worthiness. I have since set up my payments on auto draft and saved a few extra payments in case I fall on unexpected hard times in the future.

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 2019-08-13 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$1900.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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 2019-08-13 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:
EXPERIAN IS IN VIOLATION OF THE FCRA. I have written to Experian on several occasions disputing the fact that the items they are reporting on my credit file are incorrect and do not belong to me. Experian has responded by sending frivolous letters and continues to state that they have verified the accounts. Let this be a formal complaint against Experian for continue to report fraudulent/incorrect and inaccurate items on my credit file, that are not mine. I have been a victim of identity theft and have made several attempts to dispute certain information in my file with Experian as the result of the crime. The items I am disputing do not relate to any transactions I have made or authorized. I have filed a police report with XXXX County Sheriff 's Office and provided Experian with copies of the ID theft report on many occasions.

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 2019-08-13 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: Nelnet, Inc.
State: MI

Complaint narrative:
I work with Nelnet a Deptarment of Education assigned student loan servicer. I am currently on the standard 10 year term repayment plan. I made my first student loan payment to Nelnet on XXXX of this year. After making the payment I set up an auto payment to make payments from XXXX on. The reason for this autopay set up, was due to the fact that it reduced the rate on my loans by .25 %. On XX/XX/10 ( which would have been my first payment date ) the servicer pulled my payment for XXXX again. After calling the servicer requesting that they return my funds they said that they could not return the payment and those funds would be applied as an excess principal payment on my highest rate loan. They said if I requested they could turn off the autopay reapply the XX/XX/10 payment as a regulary payment to satisfy XXXX and to not turn on my autopay until after XX/XX/10. 1. to have an outstanding balance for XXXX doubles the interest due on the next payment date of XX/XX/10, and increase the amount of the final payment. 2. That whole time where I am not on auto pay my rate is higher. These predatory practices are ridiculous. Fortunately I have the financial stability to make the payment this month without an issue. Others may not be so lucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1900.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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 2019-08-13 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: MS

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Charging interest on apartment lease

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
During a recent review of my credit report, I noticed an account placed for collection from Aargon Agency for {$260.00} for a XXXX account. I contacted XXXX and was told my most recent account in noted as closed and paid, over 10 years ago. I have never done business with Aargon Agency, and to date, have received no communications regarding our relationship or any attempts to collect this alleged debt. Had this happened in accordance with fair debt collection standards, I would've have an opportunity to request validation of this debt within the allotted time frame. Please provide the address and phone numbers used to attempt the debt, along with copies of the statements & debt validation forwarded to me. Please also provide a contract with my signature where we've entered into agreement to do business and any applicable billing statements demonstrating my financial responsibility for this account within 7 days, or immediately remove this from all 3 credit reporting agency accounts. This is creating an undue hardship on me and my financial status.

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 2019-08-13 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:
On XX/XX/XXXX I mailed a dispute letter to Experian challenging 4 items on my credit report, requesting proof. 

( for check of and PROOF of lawful COMPLIANCE to every and all reporting regula-tions, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and ir-refutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. ) According to the tracking information ( Tracking Number:XXXX ) Experian received my dispute results on XX/XX/XXXX. On XX/XX/XXXX I received a response from Experian declining to my request for validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is now XX/XX/XXXX and they have yet to abide by my request in which they are legally entitled to according to the FCRA.

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 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my credit reports. The collection agency is CFSI ( CommonWealth Finincial Systems ). The original creditor was XXXX XXXX XXXX XXXX XXXX.Request for verfication was sent to XXXX, XXXX, and XXXX. Request for verification for this was sent to the bureaus by me, on XX/XX/XXXX. On XX/XX/XXXX XXXX updated the collection as a Closed account. On XX/XX/XXXX XXXX sent notice that the company verified the account. XXXX voilated section 609 and 611 due to not conducting proper investigation and not correcting inaccurate information. The date of status on my report is XX/XX/XXXX which states on the XXXX  website this is the date the creditor last update the account. When the creditor validates the account this date should be updated. The account is inaccurate due to the open date, date of service, patient name with me as guarantor. I received a letter from CFSI on XX/XX/XXXX, that shows a {$0.00} amount due, with a Patient name : XXXX XXXX XXXX. This person is not me and I have never authorized to be a Guarantor for this person. Also the date of service shows XX/XX/XXXX I was not prosiding in the state that is listed as the place of service : XXXX, FL. Lastly the debt is being addressed to XXXX XXXX XXXX, my name is XXXX XXXX XXXX. My credit history is being affected by keeping an account on my report that I am not responsible for and doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: MS

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from 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 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
The company I’m talking about is XXXX. I don’t owe the amount they said I do it is not true and I need some one to help me with this problem the debt is coming from a  apartment complex  my route was only XXXX and I only missed two months which is XX/XX/XXXXand XX/XX/XXXX I was not living there I moved out  before XX/XX/XXXX.  The only reason why It got that high is because I had XXXX XXXX and was hospitalized so I could not work and I let them know what was going on to ask for hardship and they had no sympathy and I think they put the mount up very high just to destroy my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My home was scheduled to on auction. After the date had passed I called the back to check the status, I was told that the account is in litigation and they can not speak to me or provide any further details. I explained that I did not seek counsel at any time on this loan and was expecting the property to get sold at auction. I was told that the account is locked and they can not provide details. I explained that there has to be some type of fraudulent activity because I did not authorize anyone to speak on my behalf. There was no help offered, only kept telling me that they can not provide any information. I requested an escalation or to get a a call back, which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX account XXXX on my Equifax report that does not belong to me.

Company response to consumer: Closed with explanation