vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: KY

Complaint narrative:
I got a XXXX XXXX XXXX in XXXX in XXXX. When I graduated, I didn't know my options were limited to making about $ XXXX to pay off my debt, not allowing me to pay rent or other bills. So, I went to XXXX   school and got a XXXX XXXX in XXXX. I went on to become an XXXX XXXX, not realizing that the pay was so poor. Not only were the chances of getting a full-time job teaching college in my field slim, when I finally did get one it paid only $ XXXX. 

Fast forward to XXXX - I got laid off from that job and ended up getting a job in XXXX  XXXX that paid $ XXXX. I eventually switched careers to XXXX in various fields. I decided to go to XXXX school for XXXX  XXXX   to get my credentials in order to make more money. Fast forward to XXXX - I make $ XXXX a year, but now I'm about {$250000.00} in debt, a debt I never imagine ever being out from under. Lesson learned? I was daft to never realize ( 3 TIMES ) that actual college credentials would never afford me a job that would get me a high enough wage to pay off my debt and make more money. Now, I'm sacked with debt and wish I'd never gone to college. Now, I XXXX " XXXX over student debt '' and think about ruining my credit and/or having my wages garnished because that seems like a better option than continuing to pay this possibly for the rest of my life. What happens when I can't afford to pay it? There goes my chances of getting forgiveness - I take out a forbearance only to increase the debt and have that 25 year clock start ticking all over again once I do start paying it. 25 years is a long time. I'll be paying this well into retirement, possibly the rest of my life. I think of giving up. It's just not worth it anymore. Slave to debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Ive paid my payments on auto pay each month to Shellpoint But I get a notice that my account is past due by 3+ months yet my bank account shows debits fpr payments to the servicer. I log on to the servicer account and see a whole host of unapplied payments that look to be the cause of the issue. I also paid them to catch up an escrow payment and they did not apply that and continue to show escrow as still due. They are robbing me of my money despite payments made regularly, not applying it at all or delayed, and then sending me notice that Im late and implying extra fees to catch it up. Its extortion and theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These medical accounts should not be on my credit reports they all are under 180 Days please Remove Off My Transunion credit report due too 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 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. Capital one made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. XXXX XXXX made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent letters out to XXXX Transunion and XXXX stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX XXXX deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. Transunion and XXXX   stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act

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 2018-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On Monday, the XX/XX/XXXX at XXXX XXXX two separate charges, each {$100.00}, totaling {$200.00} appeared on my bank statement from XXXX ( a digital wallet company, ) The description listed along with the charges is as follows : XXXX XXXX NY. I have never heard of XXXX. The charges are not mine. XXXX clearly states on their website they are unwilling to assist any one that is not in possession of a XXXX account, and are unable to reimburse any lost money due to fraudulent charges made by their users. I made a phone call to PayPal 's customer service number and was not provided any helpful information or hope of a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
Applied to XXXX for employment had to get background check with First Advantage. 
Received my consumer report in XX/XX/2017 saying my social security did not match. I went to the social security office to get proof of identification made a dispute. I thought everything was fixed but called and they now said I had a XXXX I dispute it but every now and then when I call they still say I have a XXXX so they haven't fixed it. Now they say they can't find my credit score and history I have I have checked my credit everything matches my name everything is fine so I don't understand how they can't find my information. I have been trying for months to start working and they haven't done anything to fix my disputes and whenever I call they are always so rude and don't want to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On or about XX/XX/XXXX I logged onto Best Buy 's website, and observed my total balance. After observing the total in the amount of XXXX ; I paid my account in full. In XX/XX/XXXX it was brought to my attention that the same account was sixty days delinquent. As soon as this was brought to my attention, I immediately paid the current and incorrect stated balance. Upon finding out how this error negatively affected my credit score, I contacted Best Buy on XX/XX/XXXX in an attempt to determine how to resolve the inaccuracy. Best Buy told me that forty dollars remained, and there was nothing they could do ; they would not accept the fact that they made an error. At this point I pleaded with the Best Buy associate ; asking why would I pay XXXX and not XXXX, and was brushed away with, " there is no difference between XXXX or XXXX XXXX, you'll have to dispute it. '' I then proceeded to XXXX, and filed on dispute. The dispute returned results on XX/XX/XXXX, but stated that the creditor 's information was accurate. I immediately called XXXX, asked a few questions, realized what they do to dispute, and was told my history meant nothing. It does not matter that I had no other negative remarks/data, or a little common sense is all that is needed to show the insanity within ruining someones hard earned credit just because the creditor says so.

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 2018-03-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These medical accounts should not be on my credit reports they all are under 180 Days please Remove Off My XXXX credit report due too hippa violation!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These medical accounts should not be on my credit reports they all are under 180 Days please Remove Off My XXXX credit report due too 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 non-monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Non Account holding Inquiries on my credit report which I did not authorized. I sent a letter to Equifax explaining how I did not authorized the credit inquiries yet they still continue to report them on my credit report. Here 's the inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent letters out to Equifax XXXX and XXXX stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX Equifax deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. XXXX and XXXX   stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent letters out to XXXX XXXX and Experian stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX XXXX deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. XXXX and Experian stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act

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 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This account was put on my credit for all the wrong reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Like many young college students, I fell for the temptation of federal loan programs and the allure of instant assistance with education expenses. I was always told as a child that education was the best investment and I wanted the best education I could get. I really didn't appreciate consequences at the time. Over the years, I have made every effort to work with first XXXX XXXX and now Navient to repay these loans as responsibly as possible. In the past 13 years, since Navient has had my account, I have paid {$36000.00} on an original principal of {$73000.00}, yet somehow my current balance is {$73000.00}. I have literally given them almost half of the loan amount and ended up only moving my total debt by less than {$300.00}. That is INSANE! And criminal. I have called so many times over the years, been on hold, argued, cried. I've felt deeply depressed and hopeless. Every time I ask for help getting this loan paid ( advice on payment plans, adjustments to my payment arrangement et ) I end up with another, more hopeless arrangement with Navient. At this rate, I will literally die before this loan is paid which makes me think " what's the point ''? I am so discouraged. I am not wealthy and I don't qualify for hardship loans, but I am furious that having paid so much, I have gotten so very little in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: FL

Complaint narrative:
I have contacted XXXX XXXX   several times. 
I wish to settle my student loan amount I have a loan amount right now that totals {$56000.00} I don't believe it to be fair or accurate to be charged such a high amount when I went to a private college where none of the credits are accepted anywhere. 

I understand that it is my responsibility to pay the student loan and I agreed to do so however I would like to do so by settling it completely instead of it accumulating more interests and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
I have contacted this company and told them that this debt has nothing to do with me and they still have not removed off of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
This university is collecting tuition and fees while dismissing students at anytime without evidence. Thus keeping the students funds that loans have been taken out for. These loans have been isssued through this institution then redeemed by the institution and forcing forfeiture of ability to benefit. They have done this to someone with a mental/emotional   XXXX or XXXX. The institution does this without hearing. When asked questions during dismissal the representatives said that they would not answer questions. When superior representation was contacted student was directed to an ombudsman. The ombudsman allowed for this students complaints to go unanswered to. Ultimately, this student has been given the run around for a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accelerated Financial Solutions, LLC
State: FL

Complaint narrative:
Approximately 5 months ago, I disputed this item with all 3 credit reporting agencies as the item not belonging to me. Upon completion of the investigation, it was determined that the account did not belong to me and the item was deleted from my credit file at all 3 agencies. On XX/XX/2018, this item was reinserted on my XXXX credit report. This item has been disputed 3 times now, with results proving the item does not belong to me, yet it continues to be deleted and reinserted. Also, in accordance with the requirements of the FCRA, the consumer reporting agency should notify the consumer of the reinsertion 5 days prior to reinsertion. I did not receive said notice, therefore, this is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hello, we have big problem, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we faxed in a copy of the Appeal request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon. 

Thank you.

Company response to consumer: Closed with explanation