vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-14 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: TN

Complaint narrative:
To wit loan service provider ( s ) ( XXXX, XXXX, XXXX XXXX ) consolidated Direct Student Loans and informed borrower/consumer of loans being transferred when in fact loan service provider ( s ) actually consolidated loans without permission of borrower/consumer. 
Grievous actions of loan service providers have forfeited qualifying payments towards the Public Service Loan Forgiveness and the Temporary Expanded Public Service Loan Forgiveness program due to loan consolidation request allegedly made by this borrower/consumer less than 10 years ago.

I have attempted to resolve matter in reviewing Master Promissory Notes provided by loan service provider. None of the Master Promissory Notes provided has language of loan consolidation request. 
I provided documentation to loan service provider supporting payment on XX/XX/XXXX to support student loans have been in repayment longer than XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
Received a Letter in the mail yesterday from OneMain FInancial offering a loan up to {$10000.00} the issue is that there is NO APR DISCLOSURE on any of the 2 pages. This is very misleading and I want to make sure that the elderly do not fall for this. Maybe I am not sending this to the right channel but please this type of marketing should not be alllow. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I have confronted XXXX  and TransUnion numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided XXXX, XXXX and TransUnion my current, correct address several times but as you can see in the enclosed documents, TransUnion fails to list my address correctly, and XXXX lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!

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 2018-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Lendmark Financial Services
State: OH

Complaint narrative:
I was denied SCRA by Lendmark Financial on two loans for two XX/XX/2018 XXXX XXXX XXXX XXXX in XX/XX/2018. I am an XXXX XXXX Service Member. I requested SCRA and the Loan Officer dismissed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have no knowledge or records of the listed account XXXX # XXXX, XXXX XXXX XXXX Please advise me as to the name and address ( es ) of the medical provider, the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete.

If you can obtain this information, I also would need the name of the medical sales providing this proof and claim, how was the information was received so I can prepare a legal remedy ( law suit ). This is potentially a servious HIPPA violation.

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 2018-12-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have no knowledge or records of the listed account XXXX # XXXX, XXXX XXXX XXXX Please advise me as to the name and address ( es ) of the medical provider, the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete.

If you can obtain this information, I also would need the name of the medical sales providing this proof and claim, how was the information was received so I can prepare a legal remedy ( law suit ). This is potentially a servious HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I opened a Federal Student Loan to attend XXXX  after I completed my XXXX I became XXXX XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my XXXX Loans completed discharged because of my XXXX medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14 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: ND

Complaint narrative:
I have confronted Equifax and XXXX numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided Equifax, XXXX, and XXXX my current, correct address several times but as you can see in the enclosed documents, XXXX fails to list my address correctly, and Equifax lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: ND

Complaint narrative:
I have confronted XXXX and XXXX numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided XXXX, Experian, and XXXX my current, correct address several times but as you can see in the enclosed documents, XXXX fails to list my address correctly, and XXXX lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!

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 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've tried to retrieve my credit do data matches. Also I've tried to set up gas and electricity but I've had to pay large deposit amounts because they can't find me with the credit agencies in particularly Experian. I've sent my Picture ID 's Social Security and other identifying documents and I just can't seem to be able to resolve this matter. I set up XXXX XXXX  and they also dont show any information related to my score or credit history.

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 2018-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: MA

Complaint narrative:
Following below on attachments - - My letter to the lawyer XXXX XXXX XXXX is using - XXXX XXXX Letter that found me in favor and that XXXX XXXX XXXX issued credits and agreed to keep it on.

- Email documentation of service not rendered and letter sent to XXXX XXXX XXXX dispute services.

- XXXX XXXX XXXX collection agency letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Opened Citibank checking account onXX/XX/2018, signed up for promo to get {$200.00} when you open checking account and deposit {$1500.00} in the account and maintain at least {$1500.00} for 60 days. Today is XX/XX/2018 and still have not received promised bonus.

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 2018-12-14 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: FL

Complaint narrative:
There is an account reporting on my credit file with Equifax for a college I have never attended, applied to or had anything to do with. I have disputed this several times and they still reporting this on my file. I have never heard of XXXX XXXX University until it showed on my credit file. This is not mine and Equifax is doing nothing to resolve this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: GA

Complaint narrative:
I opened a Federal Student Loan to attend College after I completed my Education I became permanently XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my Student Loans completed discharged because of my permanent medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: GA

Complaint narrative:
I opened a Federal Student Loan to attend College after I completed my Education I became permanently XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my Student Loans completed discharged because of my permanent medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.

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 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
A fraudulent charge appeared on my statement. I called the credit card company at XXXX XXXX  EST and spoke to XXXX. He wasn't at all helpful. He wanted to me to do things I was not comfortable doing.

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 2018-12-14 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: GA

Complaint narrative:
I have tried several times to get the credit Reporting Agency to conduct a though and concise investigation on a Credit Card  account with XXXX XXXX XXXX that had unauthorized charges. I have also asked the Credit Reporting Agency to contact the Creditor for validation of the charges and the debt itself.

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 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Certegy Holdings, LLC
State: KY

Complaint narrative:
The company Certegy did NOT contact me in any way about a problem with a check. They immediately turned it over to a collection agency. The money was in the bank for the check. It was a cashier error. The cashier had a problem pushing my check through the machine so he wrote void on my check, entered my information in the register & had me sign electronically. This was on XX/XX/XXXX. This was on a checking account I share with my mother. On XX/XX/XXXX I had a personal check denied at another store. When I called about it I was told I had a " returned check ". This was the check I wrote on the account I share with my mother. 
What caused the problem is this : the cashier entered my check number where my account number belongs & the account number where the check number belongs, therefore it did not recognize my account. 
IF I had been notified this could have been cleared up faster. I feel my credit and my mothers credit has been damaged by this going directly to a collection agency. 
Is this legal? Don't they have to notify people first? 
On XX/XX/XXXX I authorized XXXX  to withdraw the money to pay the check but as of XX/XX/XXXXthere was still a CLAIM showing. This is not right. 
Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Experian is not complying in Good Faith with the XX/XX/2018 Credit Freeze Law making the process so time consuming and manual, a consumer effectively " gives up ''. 

* Even though I have an Experian account, when attempting to place a freeze through my already verified account, Experian 's web application responds saying it can not freeze my credit. 

* Experian has removed all live support for their telephone numbers made public to consumers regarding credit freeze and instituted circular, non-freeze related topics for all available options. 

Thus Experian is not enabling credit freezes as per the Law and removed any support to report this issue through phone or web options.

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 2018-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am XXXX XXXX sister and legal guardian/Power of Attorney for XXXX XXXX XXXX- the account holder at Bank of America in XXXX XXXX TX. XXXX went into the VA hospital- XXXX XXXX XXXX XXXX XXXX XXXX TX in XX/XX/XXXX. He had XXXX XXXX XXXX  in which he became XXXX. He was transferred to XXXX, WI XX/XX/XXXX. XXXX is still XXXX which necessitated the State of WI appointing me his legal guardian. 
I tried to open a bank account as directed by the Social Security Administration and the Veterans Administration to transact his financial business and take care of his responsibilities. I was told by my financial institution that Bank of America National issued to outstanding reports of {$230.00} and XXXX on XX/XX/XXXX. I contacted Bank of America which is located in another state. I was told I had to come into their branch office with the documentation. I requested their fax process as I am not able to travel to  another state. I was denied. I have been getting the run around from their customer service to their fraud division. I have not been able to get this issue resolved. Bank of America does not have an adequate way of resolving issues for XXXX customers. I have tried to notify them of the fraud on XXXX 's account if the fees resulted after XX/XX/XXXX. I am trying to close the accounts and resolve the issues.

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 2018-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$150.00} {$140.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$3500.00} These were payment made to this debt collector with the agreement to resolve the judgments with ( XXXX XXXX ) & XXXX XXXX XXXX. 
However, I continue to receive letters threating to garnish my wage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have contacted Equifax several times regarding an unknown account listed which doesn't even state a name of a company, no response Unknown collection XXXX {$18.00}

Company response to consumer: Closed with explanation