vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-23 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: CA

Complaint narrative:
There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in XXXX back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which XXXX was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as 3 consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of XXXX taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 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: CA

Complaint narrative:
There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in XXXX back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which XXXX was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on.

Ive had issues re certifying because of the time it takes and see it isnt as simple as 3 consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of XXXX taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.

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 2019-06-23 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: MD

Complaint narrative:
I graduated from the XXXX XXXX in XXXX and am not currently enrolled in any higher education institution. I spoke to XXXX at the US Department of Education Federal Student Aid Information Center at approx. XXXX on XX/XX/XXXX. During that call, he told me that any payment made during repayment status with FedLoan could count towards PSLF, regardless of my NSLDS enrollment status. On XX/XX/XXXX, XXXX from Fedloan Servicing sent me an email appearing to contradict this by stating that any payment made during an in-school status would not count towards PSLF. Additionally, XXXX also stated that he did not believe form SDWFR-XBCR would not solve my issues. As a result of these two different answers, I do not understand whether my prior and future repayments can count under PSLF. If my status is still in-school, and my payments do not count towards PSLF, I don't also understand how I can even be in repayment status ( instead of in-school deferment ). I also feel powerless to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: AES/PHEAA
State: TX

Complaint narrative:
My student loans were consolidated in XX/XX/XXXX so that I would be on an Income Based Repayment Plan and have my loans forgiven after 120 payments. I began making payments to XXXX from XX/XX/XXXX to XX/XX/XXXX. My credit report does not show any payments from XX/XX/XXXX through XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 payments. That is also {$9200.00} not credited to my account plus any interest I may have accrued. I have my bank statements showing that I made all of these payments. 

Also, when I call FedLoan servicing they are saying that I was on the wrong Repayment plan to receive loan forgiveness in XXXX and XXXX. FedLoan is the company that serviced my loan in XXXX and helped me consolidate them so when they sent my loan to XXXX they should have told them I was on an IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: CO

Complaint narrative:
Equifax mortgage services did an inquiry on my credit report without my permission even though my report is LOCKED due to identity theft. 

Call Equifax mortgage services and they said they are part of Equifax credit reporting and can run a credit report on anyone they want any time they want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 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: Oliver Adjustment Co.
State: TN

Complaint narrative:
In XX/XX/XXXX, my insurance claims were filed for services by XXXX XXXX that took place on XX/XX/XXXX. I received my first bill from XXXX XXXX In XX/XX/XXXX which was dated XX/XX/XXXX. In late XX/XX/XXXX, I received a letter dated XX/XX/XXXX, from the collection agency OAC about the bill. I placed a call to them in XXXX and informed them that I was aware of the debt and according to the FCRA, I had 180 days to allot time to ensure my health insurance processed the claim. I had XXXX earlier in the year and this bill should have been paid in full because the XXXX alone met my deductible. In addition, I informed the collection agency that I was in the process of filing for Chapter XXXX bankruptcy. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. The Bankruptcy Court through my attorney notified the original creditor, XXXX XXXX on XX/XX/XXXX of my Chapter XXXX filing ( this was a little over 4 months after I received my first bill from the original creditor ). My bankruptcy was discharged in XX/XX/XXXX. On XX/XX/XXXX, the collection agency OAC unfairly added two collection accounts to my XXXX credit report for the first time ever. The collections are being added literally 7 months after the accounts were paid the bankruptcy protection. This is an unfair and deceptive tactic by OAC to ruin my credit rating. The accounts show on my credit file as closed paid accounts and included in bankruptcy. They appear as if they were on there the entire time, but were just added last week on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1500.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT ACCOUNT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1500.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

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 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1200.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$910.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$940.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Compass Bank in XXXX XXXX, CA has reported to all the major credit agencies that we have been delinquent on multiple occasions. The bank has admitted fault due to human error. Apparently, the funds were deposited into the incorrect accounts and automatic withdrawals could not be made, leading to late payments. Despite admitting these mistakes, the credit agencies have not been notified and my credit rating has been substantially impacted. Investigations are pending with all three agencies. The bank should be investigated for questionable standards and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
USBANCORP Business cash Mastercard. XXXX  Making a payment is not possible using the USBANK website. The website displays credit limit less balance but balance is displayed as XXXX and due date is displayed as XX/XX/XXXX. Making a payment is not possible due to configuration of website and the information provided by website is inaccurate as the result.

Contact with usbank 24hr credit card phone center results in vague mentions of central billing with no specific answer on how to make a payment available. XXXX XXXX XXXX.

It's like being in comedy movie about USBANK credit card products. Really.

I was also told by usbank customer service that I must register the business card separately but the usbank website does not allow that stating that I am already registered.

I do believe that USBANK is breaking it's card member 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 2019-06-23 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: I.C. System, Inc.
State: FL

Complaint narrative:
I paid IC Systems in XX/XX/19 in the amount of {$230.00}. This is still showing as an open account and it needs to be settled and closed ASAP.

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 2019-06-23 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: AZ

Complaint narrative:
I keep getting credit file confirmations that state the information [ wrong address ] was removed but it is still showing up on my credit report. I have requested that the information be removed over five times. It still shows up on my report. I never lived at that address. My Ex-husband lived their with his girlfriend.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My Hsbc premier credit card ending in XXXX was compromised and someone used my card starting XXXX to end of XXXX. I called in on mid XXXX to cancel the card and they denied the claim stating that I called in for travel notice and some of the charges are Coming from over seas but I called again for the claim stating I cancelled my plan to travel which I called my card company to let them know and they should have note of it. They had sent the letter stating my claim was denied for not filing police report on XXXX to my previous address which I didnt know it until last Sunday. I had to goto police to file the report yesterday for identity theft and the fraud charges. I asked my bank for interest charge reversal and theyre refusing to do so as the claim was denied which amounts around to XXXX $ Worth and they keep charging the finance charge fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I am a former Greentree customer. Everything they were fine for is valid. They would call me multiple times and were very rude. When I would call to speak to someone to report this behavior the same representative would answer the call. Not to mention at the time I was in chapter XXXX bankruptcy and was so stressed by the phone calls that would not stop after repeatedly asking for them to refrain from calling me. Needless to say I eventually did a chapter XXXX giving the mobile home back! This was a horrible time in my life. Awfully glad they were fined. I never thought I would be reading this today after so many years. XXXX is good!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I was invited to open an account by HSBC. The credit card was opened in XX/XX/2018. At the time of activation I requested that the bank place me on auto bill pay so the minimum amount due each month would be deducted from my bank account. However, despite multiple attempts, they never assisted me in setting it up. After manually making these payments for a few months, I again tried and was told that it had been setup. However, the auto payment for XX/XX/2018 did not go through and without any further notification or attempt to contact me, late payment fees were issued and my account closed. Very unprofessional behavior from a bank that was begging me to open an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have tried several times to let pheionx financial know that I have no clue why they continuously add/ and remove this account I know nothi g about. It's getting pretty nerve wracking that I explain, and then it comes back on as a new delequint account. There is also a XXXX. Bill that I have no type of knowledge of and do beleive somewhere, someone used. My name. I feel it could have been someone that knew my kiddo, bit I cant ask her know because she passed away a few months ago.. I didnt love on XXXX XXXX XXXX # XXXX and I asked them toremove that address from my report. There is also some type of motor lease thats connected with that same address and apparently someone tried to buy a motorcycle in my name. But never got one ... but its on my record. Now that I need to finally use my credit..i cant because someone has made a mess of my reports with stupid lol things. I would like for them to removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation