vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: NC

Complaint narrative:
I have a XXXX XXXX loan with ACS Education. I have made all my payments online and on time, always on the 1st of the month, for almost 8 years now. This month, when attempting to pay my monthly bill, I have not been able to access my account. Each time I sign-in with what I have verified multiple times as the correct login information, I 'm told the service is temporarily unavailable. I have sent multiple emails to customer service both through the website and directly from my personal email account detailing the problem and attaching screenshots showing the issue. I have also attempted to contact customer service via phone, but the system will not let you talk to anyone until it recognizes your SSN and DOB. Despite repeatedly entering these accurately, the system claimed it did not recognize either so I 'm unable to reach anyone to resolve the issue. Further complicating this is that I do not have an account number to include on a check to mail to ensure my payment is processed correctly because ACS uses my SSN as an account number - and I think it is really dangerous to include this on a check.

I have received no response or from ACS, only acknowledgments that my email has been received and that I will receive a response in 48 hours. This has not happened, and I have been having the same problem for four days now, putting me in danger of submitting a late payment! This is clearly a way for ACS to force late fees or other issuers on its borrowers, with little or no borrower ability to contest! Please contact someone at ACS to make sure they know this is happening and ensure that borrowers are not being unfairly penalized for the servicer 's incompetence. A quick XXXX  search on the web will show you that ACS has in the past caused similar problems for other borrowers and this is really hurtful - particularly for those of us who do everything we can to make our payments responsibly. I thank you for your time and please feel free to contact me directly if you would like further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a collection accounts on my credit report and they do not belong to me, XXXXXXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00}

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 non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultants is a collection agency. They were hired by XXXX XXXX. XXXX claims I owe an early termination of XXXX I paid this amount and have the invoice to show a zero balance owed. I called XXXX after I received a delinquency notice. I was assured by customer service that I owed nothing. The next thing I received was a threat letter from diversified. I sent them a copy of the last invoice from XXXX showing a zero balance. I just checked my XXXX score and saw that it dropped XXXX points this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: MS

Complaint narrative:
I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX regarding debt validation of an account that is reported on my consumer credit report with Equifax, XXXX, and XXXX. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX, is listed on my XXXX report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXXXXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 2017-10-05 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NJ

Complaint narrative:
This is Regarding XXXX XXXX Student loan borrowed for my daughter and I Cosigned. Loan amount of {$26000.00} borrowed on XXXX/XXXX/XXXX to the renowned Education institute XXXX. My daughter graduated successfully with GPA of XXXX with Dual degree ( XXXX XXXX Program ) with her hardship and managed to get a job in XXXX XXXX XXXX. As a reward to her hardship, we borrowed money from our relatives and paid off the principal with the agreement of payment in monthly. but I am getting charged from XXXX XXXX the interest of {$6100.00} for the past 3 years however i have paid {$25.00} per monthly towards interest. My daughter have written a letter to XXXX to forgive the Interest on the Loan as the principal has been paid. She already has Loans from XXXX XXXX, started paying monthly. But XXXX communicated through AES that it is denied. An entry level employer making $ XXXX in XXXX XXXX XXXX, Living in XXXX paying for 3 different loans and in addition to honor the exorbitant interest charged by XXXX is unfair and atrocious. It is practically impossible to live by paying for 3 loans, paying Rent, food and other expenditure with that money. We are ordinary middle class people did n't have enough savings ( hence borrowed in the first place ) are being sucked into these programs to keep up the value of education from renowned institution. We are being ripped off by XXXX ( Via AES ). so, Beware of Private Student loans from XXXX, it is not trustable and they do n't value your honesty, integrity or hardship. All they want is suck your blood to death no human consideration or fairness. Loan Program : XXXX, current interest rate is 9.320 % ( Really?? from a novice young student who wants to graduate and start their life )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I am purchasing a construction home. I was advised by the builder I had to use one of their preferred lenders in order to qualify for the XXXX closing cost incentive. So I did just that & I applied with the company loan depot. I was referred to work with XXXX XXXX which was a loan officer who worked with the NC 3 % down program which is what I was using for my down payment. He took my application & never disclosed any fees associated with doing this program with his company. He later ran credit and sent out the loan disclosures ( LE ) Once the disclosures were received I notice the 1 % origination charge. I called the loan officer to get an explanation for the fee. I was then told by the loan officer that it was a fee that XXXX charges for doing the bond program. I felt like that did n't sound right so I contacted my rep with XXXX to confirm this. She advised that was not true, In fact the fee was not a XXXX  fee, but yet a Loan depot fee they charge because of the amount of money they make on the XXXX bond loans are less to none they charge the 1 % origination fee to the customer to try to make up for some of the loss. I asked XXXX to waive the fee since was it never disclosed or explained and he declined. I then found another company willing to do the loan without the fee however I asked that XXXX provide a letter/email saying that it was okay to work with another lender so that I may provide to my builder and they allow me to still get the XXXX incentive for closing. XXXX forwarded me to his manager XXXX XXXX. I missed XXXX 's phone call & decided to call him back. Soon as I got on the phone I realized very quickly how terrible XXXX 's attitude was. He began speaking over me and belittling me. He made comments referring to me a " charity case '' because of me having to use the XXXX program to get my home. He also informed me that I had a listening problem several times. I asked him would he provide the letter/email that I previously asked for from XXXX & he laughed and said " No, I not giving you anything '' The phone call started to become very disrespectful and he went on to tell me there was basically nothing I could do about it because they do n't record their phone calls. I did let him know I would be moving forward with complaints to let people know how horrible I had been treated while attempting to work with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX, is listed on my Transunion report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity

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 2017-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I was sued by XXXX XXXX XXXX. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on Friday, XXXX XXXX, 2014 at XXXX XXXX at my home. I was at work almost 25 miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am XXXX and XXXX eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX ( XXXX XXXX ) should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid {$1000.00} of this debt which is MORE than the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XXXX XXXX I paid off a collection in full to XXXX XXXX XXXX acct # XXXX and I have proof of receipt. I was told by the collection agency that this collection would be removed / updated as soon as this debt is paid off in full. As of XXXX/XXXX/XXXX the debt was removed and then later placed on my credit report again, I disputed the item again and it was removed on XXXX/XXXX/XXXX. I have proof of both removals. I was not notified in writing within XXXX days of placing this debt back on my credit report. This is a violation of FCRA. As of XXXX XXXX, XXXX I pulled my XXXX, Transunion credit report and I saw that this account was still reporting as a negative item on my correct report and is affecting my credit worthiness. This account was permanently removed from XXXX, so I contacted the collection agency and I was told that they stop reporting this paid in full debt to credit bureau as of XXXX XXXX and that I needed to contact each credit bureau that it was being reported to. so I contact each bureau that 's its reporting on in writing and I received a letter from XXXX  stating this information has been verified and Transunion just sent out a credit report showing remained. This item could n't have been verified because agency stated that they stop reporting this item back in XXXX XXXX and it was already removed from XXXX .I am asking that this account be deleted permanently 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 2017-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I initially received my car loan for my XXXX XXXX that I purchased at XXXX in XXXX XXXX on XXXX XXXX, XXXX for XXXX} and have made monthly payments of XXXX} since. My balance is at XXXX. After XXXX years of paying {XXXX on a XXXX loan I have only paid less than XXXX} in principle. My payment this month went XXXX XXXX toward interest XXXX after XXXX years of paying ) and my payment last month of XXXX only put XXXX  toward principle. In early XXXX of this year I paid XXXX and asked that it put directly toward principal as it was besides my normal payment, Santanders put XXXX toward interest and the rest toward principal I had to call several times and threaten to sue before they reversed the payment and put it all toward principal, my very next payment they only put the XXXX toward principal and this last payment, none.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Integrated Recovery Services
State: TX

Complaint narrative:
They called my sister and brothers cell phones, then called my parents house. I returned the call to see what it was about, I then told them I was signed up through XXXX XXXX XXXX and this debt was with them and I have been making monthly payments. XXXX then began irate and told me she would contact the sheriff and tell everyone in town about my debt. I then asked her not to call anyone else in my family. I also told her I had signed up with a debt consolidation company and offered their number for her to contact them, that is what they asked I do with creditors. she refused to take the number and told me I need to learn how to pay my bills. well today, she called my old employer and told the administrator that I had debt owed and she needed to have my wages garnished, my old employer sent me a text and gave me the phone number, I called XXXX and told her again I was with the Debt program, and she called me a liar, and again I asked for a fax number to send proof and asked her not to call my old employer again, she said I have a court date for XX/XX/XXXX, which is tomorrow, and I know nothing about that and told her that, she said we are coming to your job tomorrow. the number they are calling from is XXXX XXXX XXXX please help me with this situation. it is my fault my debt got the way it did, however, I am paying a company to help me get it all settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
Recently I fell behind in my mortgage payments XXXX XXXX XXXX XXXX XXXX but Fay Servicing sent me a letter stating that I am XXXX months behind and bc I am in bankruptcy XXXX XXXX XXXX XXXX the automatic stay will be lifted if back payments are not paid in full by XXXX/XXXX/XXXX in the amount of XXXX  money I do not have nor do I owe as much this last year has been difficult for me due to unexpected expenses out of my control also losing time off my job. I can afford to pay my mortgage and I want my home. I am now seeking a loan Modification from Fay Servicing. It seems as though they anxiously want to foreclose on my home and that is their only goal. So unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Capital One Bank account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Preferred Collection and Management, Inc.
State: MO

Complaint narrative:
The medical debt was consistently being paid WHEN it was turned over to this collection agency. This company - Preferred Collection & Management Services. This company repeatedly calls my phone number sometimes XXXX times in a row and have been calling before XXXX. This morning they called me XXXX times just between XXXX. It is excessive and ridiculous and they 're breaking the rules on collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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