vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is an addendum to complaint XXXX. 
Initially when I called Experian to complain ( my 1st complaint ) about my report and FICO score they said I would n't be charged {$19.00} which was showing as pending when I made the call on XX/XX/XXXX Experian charged my account anyway. I called once on XX/XX/XXXXand another time the week of XX/XX/XXXX to ask them to remove the charge again. The second time they said just ask XXXX XXXX to remove the charge. I said if I do that I am reporting it as fraud. You made the charge for the month of XX/XX/XXXX after I cancelled the account in XX/XX/XXXXand you agreed not to charge me. Experian reluctantly agreed to remove the charge. By XX/XX/XXXX the charge still was not removed ( 2 months after it was charged ). I reported it to XXXX XXXX who removed the charge on XX/XX/XXXX and sent me the attached letter. Obviously Experian ca n't be trusted to correct their own simple billing errors. As I said in my previous complaint : Experian should stop worrying about their sales of credit cards and products and fulfill the job of a credit reporting agency fairly. As the Experian reps told me - Experian has no control over their credit reporting agency, the policies and procedures of their agency, the credit reports they produce, or the FICO scores their agency produces that affect millions of consumers ability to get credit at fair rates based on their credit score and credit reporting history. Experian should step out of the primary credit reporting and scoring company until they can get their act together. Because if this happened to me it has certainly happened to hundreds of thousands if not millions of others. XXXX who has none of these problems should take the lead as primary credit reporting agency for the sake of millions of consumers who need fair and accurate credit reporting and credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Reached out and submitted complaint to SW Credit Systems Sent letter ( which Is attached ) requesting back up. 
Rec 'd XXXX XXXX XXXX bills for a service Bill ( which is attached ) is not my phone number XXXX not sure whos number this is. I do not have XXXX XXXX XXXX as a carrier for my service. 
This is clearly a mix up and not my charge. 
The amount is {$830.00} Either send a signed contract with my signature of this cell phone number or remove from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: AES/PHEAA
State: TX

Complaint narrative:
I have disputed and asked to remove AES student loans form my credit report with XXXX. I am asking because the account does n't belong to me. The account was transferred without my knowledge.I am asked for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient has harassed me with 3 or more calls per day for months on end. I spoke with them and they did not have a repayment plan that I could afford. The minimum payment each month would not cover the interest that accrues each month. 

So I have begged them to give me some guidance on what to do. They have not helped me understand how my loans work and have refused to look up my past forbearance 's in order to give me a breakdown of how interest accrues on my account. I have gone on forbearance multiple times since graduating college. When I first went on forbearance I was told I was going on deferment, but they put me on forbearance. 

Every time they put me on forbearance it happens over the phone in a quick conversation without explaining how any of it works. 

The second or third time I went on forbearance I received a letter saying {$1700.00} had been added to the principle in interest - In one day, just because I agreed to forbearance. 

I have requested an explanation of how my interest has accrued over the past few years, because it is not easy to understand and is not transparent. I paid about {$8000.00} off my first two years out of college, but I think they applied all those payments to the interest free loans that I had so they could keep charging interest on the other ones. 

Last time I spoke with a Navient Representative he refused to look up any information regarding my past payments and interest accruements on my loans. He told me he would mail me a " Huge Document that explains everything '' but they never did. 

They harass their borrowers with 3-6 calls per day, every day, until they convince you to go on forbearance with no explanation of what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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 — Investigation took more than 30 days
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA

Complaint narrative:
For the month of XX/XX/XXXX I was behind on my mortgage to Primelending and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XX/XX/XXXX, I submitted my payment in the amount of {$2500.00} ( late fees included ) to Primelending, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing Primelending to initiate the transaction soon after.
Today XX/XX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never  taken out. I immediately contacted Primelending customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XX/XX/XXXX. I still have yet to receive that letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
National Credit Systems is continuing to report on my credit for a debt I do not owe and the debt is past the statute of limitations in GA. They are also updating the DLA - Date of Last Activity - erroneously. That date should not update unless the consumer made a payment and I have never made toward this debt. I have been disputing this for some time with no response. 
I do not owe what they say I owe and the debt is past the statute. Someone needs to do something about them updating inaccurately and just ignoring disputes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my credit score down XXXX points!! Please delete the incorrect information off my credit reports and restore my credit score back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
In XX/XX/XXXX I made an extra payment of {$100.00}. My bank automatically made the payment of {$100.00} for the regular payment that was due XX/XX/XXXX, they changed the amount to {$240.00} but my automatic payment was not changed by them as I thought it would be since I set it up through Fedloans. On XX/XX/XXXX I noticed I had a past due and paid {$250.00}. On XX/XX/XXXX the {$250.00} was out of my bank account and my bank says it has been paid. I called fedloans on XX/XX/XXXX because I noticed they now want {$350.00} and say they have not gotten it. The woman told me to call my bank which I did but did not give me a fax number or what to request from my bank in the first place. The first time I called fedloans they hung up on me after being on hold for 10 minutes. I paid diligently every month for 2 years despite only making {$8000.00} in XX/XX/XXXXand {$15000.00} in XX/XX/XXXX. One mistake which I took immediate action to correct and they want to ruin my credit and charge me fees I ca n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Home Mortgage Foreclosure Attorney - XXXX XXXX XXXX has filed a lawsuit against me WHILE I AM CURRENTLY in loan modification review with Wells Fargo for my mortgage. 

I feel this is a violation of the dual-tracking laws. 

XXXX XXXX XXXX should not be pursuing a lawsuit against me during a loan modification review with Wells Fargo. 

I do not have XXXX which most attorneys want as a retainer to fight the district court complaint filed in XXXX XXXX against me WITH A RESPONSE DUE BY XX/XX/2017 or I am in default. 

I need help 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 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
There is a medical bill on my credit report ( s ) from XXXX XXXX XXXX  XXXX in the amount of {$190.00}. I have NEVER been to this dentist nor had any work done by him. I am NOT responsible for this debt. I have NEVER entered into any contract with him and/or his office therefore this debt needs to be deleted from all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PNC Bank N.A.
State: VA

Complaint narrative:
US GAO fund created by XXXX XXXX with NASA XXXX XXXX  XXXX XXXX, XXXX, VA XXXX. She steals information using the XXXX database to commit life securities fraud with the Social Security Administration and communicates with the IRS to have fictitious documents sent. She organizes check fraud and federal mail fraud crimes with the USPS. 
Attempt to transfer the government fund using my old social security card and Underwriting Formal Disclosure notarized by XXXX XXXX on XXXX2017 with PNC Bank located on XXXX XXXX XXXX XXXX, XXXX, VA XXXX to advance funding for unauthorized use of XXXX XXXX VA tag XXXX and purchase of condominium with the XXXX XXXX XXXX XXXX located in XXXX, VA, XXXX XXXX XXXX ( attempting to purchase properties between {$26000.00} to {$250000.00} ), and XXXX ( attempting to purchase properties between {$95000.00} to {$160000.00} ). Also, she is assisting the builder of the XXXX XXXX XXXX XXXX to sell homes and pocket {$550000.00} with the purchase of two {$400000.00} homes based on Commercial Liability Insurance with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with a total value of {$800000.00}. Realtors that I have been communicating with are stating that the properties I am interested in are under contract. However, they are using my information, funding, and creation of fraudulent documents to purchase properties which is against the law and a premise for a stolen identity lawsuit. Business License Fraud with the City of XXXX  Commissioner of Revenue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I bought a car in XX/XX/XXXX. Unfortunately shortly thereafter on XX/XX/XXXX the vehicle was involved in a wreck and the car was totaled. My Insurance carrier XXXX swiftly paid the value of the car, roughly {$8000.00}. Shortly thereafter, they received the {$2000.00} warranty refund. This left a balance just under {$2000.00}, which is being covered by GAP insurance. And, even with all those insurance payments, I was reported late to the credit bureaus. I signed the car ownership over to XXXX at the end of XX/XX/XXXX, and since it was being paid off, I did not make a payment. I was current at the time of the accident. However, Flagship is reporting me 30 days late to the credit bureaus and additionally sending me past due bills, when they are getting paid out by these various insurances. They are piling late fees on top of this as well. I wrote Flagship a letter in XX/XX/XXXX, asking for clarification, and I received no response. I reported to XXXX and also the Better Business Bureau. I am not understanding why I am being reported late and late fees added on a totaled car being paid out by insurance. I already bought a new car after the accident, and have been making payments on it. I never imagined I would be pursued for payments on this totaled car. Please help me. Flagship credit acceptance will not communicate with me at all, nor help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XXXX erroneously processed an in-network claim as being out-of-network. They re-processed the claim correctly and made additional payments and I then paid my remaining bill in the amount of {$100.00} on XX/XX/16. CMRE Financial Services is attempting to collect {$160.00} which is a remaining out-of-network amount from this original processing error and original bill. I confirmed with XXXX that all charges were re-processed, and that payments were made. I provided CMRE will all the receipts and correspondence between myself and XXXX. They never responded to my dispute of the charges, nor did they verify the debt, and have continued to pursue collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc.
State: OH

Complaint narrative:
Company called me today X/X/2017 and asked to speak to my wife. After asking why, representative said that it was a personal matter. They keep calling me 24/7, and will never stop. Keeps using XXXX  phone numbers to keep calling me, examples are XXXX and XXXX. They are doing this, because incase I block them intentionally, they will try to call me back with another number locally. I want this company settled. Also, representative was very rude to me, and demanded to speak to my wife. I do not have a account nor my wife has one with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
I applied for Mortgage assistance with Carrington Mortgage for the second time on XX/XX/XXXX because my loan is in foreclosure and I am having trouble making the payment and getting the loan current. Before that I applied around XX/XX/XXXX and they came to decision and denied me because I did n't have enough income. I applied again on XX/XX/XXXX because my income changed. It 's NOW XX/XX/XXXX and I still have not had any progress with Carrington mortgage to resolve my issue. The normal process takes 30 days to reach a decision if they can help or not and I have n't got to that point yet because I 've been getting the run around. The issue I am having with them is that they keep asking for the same paperwork and documentation to complete their mortgage package. ( divorce decree, other borrower financial information, letters of explanation, etc. and they keep asking for a Quit claim deed from the other borrower who has no interest in the property since I was granted my divorcee. Also I was abused by the other party and there is a current OFP on file for the next 50 years that the other person can not contact me. I have talked to several employees and Supervisors about this issue and no one seems to know why they keep requesting the same information from me and keep opening and closing my file when they know my foreclosure date is approaching very soon. I have faxed, email, and uploaded everything they needed to start the process and I have not got anywhere. In Minnesota you have 7 business before the foreclosure date to submit a request for mortgage assistance and do to this issue I am concerned that I will not meet that deadline. My situation is complicated and I would like to explain in more detail in person or the telephone. Since I have started this process with Carrington mortgage I have suffered a lot of emotional stress, pain and anxiety because I have done everything I need to do to keep my home and I feel Carrington mortgage is not understanding to that. If possible I would like all the notes and phone calls pulled from them so someone can see in detail what I have been through these last 3 months. Please if you can help I would appreciate it. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For the month of XXXX I was behind on my mortgage to XXXX and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XXXX XXXX XXXX, I submitted my payment in the amount of {$2500.00} XXXX late fees included ) to XXXX, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing XXXX to initiate the transaction soon after. 
Today XXXX/XXXX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never taken out. I immediately contacted XXXX customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XXXX XXXX XXXX. I still have yet to receive that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: WV

Complaint narrative:
There is a medical debt showing on XXXX XXXX and XXXX from Commonwealth Finance for {$800.00} for services rendered at XXXX XXXX XXXX. I did NOT receive any services from this establishment, nor I have signed any documents stating that I am responsible for any bills for myself or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I previously held multiple accounts with Wells Fargo for many years. The account in question was a secured credit card from XX/XX/XXXX up until XX/XX/XXXX. I would frequent the local branch to keep in constant contact and discuss the best ways to use the card to improve credit. The last conversation I had was when I advised I was no longer employed with my ( now previous ) employer, and I needed to close the account. She advised I just let it sit and it would close on its own and show up as a paid but closed account. I have looked over my consumer credit report, and see a span of time where I was reported late for ( 3 ) consecutive months which had a HUGE negative impact and cost me a lot of money on future accounts in interest as well as lowering my credit rating. I listened to the representative, and am now suffering the repercussions. After doing some research, it has come to my attention that this very well could have been a plot the whole time. The lawsuit proves they do not act in good faith, and have yet to show good record keeping or doing their due diligence as required. This is the second time an oversight has put thousands of consumer 's personal information at risk. I have since closed my previous account, and am about to close my last ones including my business account. As much as I thought they were an upstanding company, they have since proven me wrong. That is a mistake I will not make again. " Fool me once shame on you. Fool me twice, shame on 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