vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 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: LA

Complaint narrative:
This dispute involves XXXX XXXX and an inaccurate reporting of my account status to Transunion, XXXX, and XXXX. After challenging the validity of the account I received feedback from Transunion, XXXX, and XXXX which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I went through some olf files and was able to find a settlement letter dated XX/XX/2016 stating that the account had in fact been settled. I also found a cancellation of debt which was provided by the company in XX/XX/2016. After the bureaus continued to report the status of this debt as negative, I sent all of this information to them and reached out directly to XXXX XXXX. Their response was that theyd reported all of the information in question correctly and since the bureaus had already reached out that they would not reinvestigate the matter. After receiving the letters XXXX then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. This again impacts my ability to purchase a new home, apply for business credit, etc.

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 2018-08-28 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: LA

Complaint narrative:
This dispute involves XXXX XXXX and an inaccurate reporting of my account status to XXXX, XXXX, and Equifax. After challenging the validity of the account I received feedback from XXXX, XXXX, and Equifax which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I went through some olf files and was able to find a settlement letter dated XX/XX/2016 stating that the account had in fact been settled. I also found a cancellation of debt which was provided by the company in XX/XX/2016. After the bureaus continued to report the status of this debt as negative, I sent all of this information to them and reached out directly to XXXX XXXX. Their response was that theyd reported all of the information in question correctly and since the bureaus had already reached out that they would not reinvestigate the matter. After receiving the letters XXXX then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. This again impacts my ability to purchase a new home, apply for business credit, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 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.

Complaint narrative:
The reporting of student loan account number # XXXX, as delinquent, by servicer XXXX ( creditor : XXXX XXXX ) is not only incorrect but illegal. XXXX violated the loan agreement. XXXX did not process my forbearance/deferment request, while I am still in school. See attachment for further details.

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 2018-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BB & T bank unfairly and fraudulently charge my account XXXX dollars in overdraft fees XX/XX/2018 claiming they process 3 Echecks that I'll have written. What bank processes Echecks in less than 15 hours and this 15 hours is the time frame I need the Consumer Financial Protection Bureau to look at, contrary to what this bank would tell you or me BB & T has never processed a Echeck in less than a 15 hours or one day period. I'm asking you the Consumer Financial Protection Bureau to look at BB & T BANK forensically concerning how and who are being charged overdraft fees and their procedures processing Echecks and you would see it's always a 48 hours procedure with BB & T bank. BB & T bank has fraudulently took this XXXX dollars out of my account operating out of the norm of the way they normally do business concerning Echecks and processing them. This is nothing but greed for the soul purposes of showing quarterly profits for BB & T bank and to benefit the shareholder. Example : I have money that should be in my account right now if they were processing Echecks at the end of each business day but that is not the case, any money going in or out of any account with BB & T bank electronically is not going to be processed in no one day. BB & T would tell you or me it's in their bank service agreement. BB & T personally told me the XXXX dollars they took out of my account for overdraft fees is their money and that's the end of the story. Is it fair no it's not.

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 2018-08-28 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.

Complaint narrative:
The reporting of student loan account number # XXXX, as delinquent, by servicer XXXX ( creditor : XXXX XXXX ) is not only incorrect but illegal. XXXX violated the loan agreement. XXXX did not process my forbearance/deferment request, while I am still in school. See attachment for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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.

Complaint narrative:
The reporting of student loan account number # XXXX, as delinquent, by servicer XXXX ( creditor : XXXX XXXX ) is not only incorrect but illegal. XXXX violated the loan agreement. XXXX did not process my forbearance/deferment request, while I am still in school. See attachment for further details.

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 2018-08-28 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: DISCOVER BANK
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DISCOVER XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am behind one payment of {$25.00} and over my credit limit by approximately {$27.00} for the month of XXXX and I have received numerous call from a couple of numbers. 
XX/XX/XXXX- called 1x,XX/XX/18- called 1x, XX/XX/18 -called 2x, XXXX called 2x, XX/XX/18 called 2x,XX/XX/18- called 2x,XX/XX/18-called x,XX/XX/18- called 3x. 

I might have missed some calls because I do not answer numbers I am unfamiliar with. 

Have not spoken with them, I missed a {$25.00} payment and late fees.

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 2018-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion validated a debt in my name without submitting proof or having the proof from the collection agency. How can they report something without validation? I requested proof of the debt, date contract was signed, anything tying me to the debt and was not received yet they still validated it. 

XXXX XXXX XXXX is reporting I owe {$320.00} to a payday lender, XXXX XXXX XXXX. I do not recall this debt or ever using this lender. All I asked was for proof of debt and that was never sent. This company has never sent me anything in writing. 

I want this investigated again.

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 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
In XXXX after 12 years of being unemployed due to permanent XXXX I began a loan discharge process with Nelnet. In XX/XX/XXXX I sent email and post office documents declaring that I was still unemployed. Under the generic email return address of XXXX XXXX instead of anything related to Nelnet, they sent me information that looks like spam. That is deceptive. My TPD process was dropped because Nelnet acknowledged and accepted my certification that I have not been employed, but their separate agency that sends generic email didnt receive the paperwork. I talked to the Omsbudsman and another agency that took my complaint but didnt do anything to correct the trickery of Nelnet. Nelnet told me that the XXXX $ loan was back on track affecting my credit AFTER the appeal period ended when it was too late for me to make an appeal. They didnt notify me that they have a separate organization to process XXXX and XXXX XXXX that doesnt share data with their loan repayment center so I had no idea that I was not in compliance. One agency of Nelnet said I was fine with the process and when it was too late to fix it the second Nelnet organization said I was not in compliance. Its deceptive. Having a hidden arm sending spam looking email that isnt clearly marked as being from Nelnet was deceptive. 

Being traded on the XXXX makes Nelnet drive up loan balances with unethical actions to make their profit look good to investors. The government is for the protection of the people but the XXXX is about getting as much money from the people as possible. 

Although its unlikely that I can ever pay the debt, having me on the books with ever increasing debt serves the XXXX well so Nelnet has s conflict of interest when it comes to treating me fairly. What they have done to me is so dishonest and unethical that its clear no other industry could get away with such flagrant disregard for consumer satisfaction and consumer rights. 

Nelnet believes they can conduct business any way they like because our own government defends their rights to rob the people that try to better their lives by getting an education. 

Nelnet informed me that all my documents were received and then Nelnet informed me that my case had been dropped. 

Its a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In 2013 I was in a very bad car accident I was t boned by someone who ran a stop sign. My vehicle was totaled. I had only had it for 1 year. XXXX sent the loan company a check to pay off the vehicles value its been almost 6 years and I am still seeing $ XXXX owed in my report. This was a long legal battle from my accident and the balance wont go away its hurting my credit and affecting me to become a new home owner

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is listing an incorrect Social Security Number on my credit report in the Other ID section of the report. 

They list it as XXXX XXXX. It was reported on XX/XX/2016. 

I have never had this Social Security number and it should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion XXXX is listing my date of birth wrong on my TransUnion credit report. 
It is listed as : XX/XX/1961. This is NOT my correct date of birth.

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 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
I have a XXXX account that fell into collections for the amount of {$2100.00} due to a family tragedy. The original collection agency is Allied Collection Services located in XXXX XXXX. Allied Collection Services transferred or sold this debt to XXXX XXXX. 

I am currently working with XXXX XXXX to settle the debt. However, Allied is still reporting the transferred/sold debt to all three credit bureaus as if I still owe them the money. XXXX is also reporting the debt to all three credit bureaus. Therefore, I have ONE debt listed TWICE on my credit. 

I sent Allied a request to verify the amount owed. They did not respond. I sent XXXX XXXX a request to verify the amount owed. They responded and I am currently working with them to settle the debt. At this time I am requesting that Allied Collection Service delete the collection account listed under my social security number from all three credit bureaus, so I may continue working on an amicable solution with XXXX 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 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover Card offers a free FICO credit scorecard service. That same score that they provide free of charge is the score Discover uses in order to determine eligibility for their credit card. According to their own information my score is rated GOOD ( XXXX ) with 100 % on time payment history. Both are excellent in determining a potential card holder. On the site they have a Pre-qualify option, soft credit hit, using the same FICO info they provide.I have submitted at least 10 applications via this option to see if I qualify. I have been denied every single time. I have researched Discover 's parameters for card holders, and I fall within their guidelines with both income, credit score, and credit history. I believe I am being discriminated against for whatever reasons. I have called and NO ONE will even discuss the application with me. Discover is not practicing due diligence, and I believe I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: FL

Complaint narrative:
Innovis Credit Bureau has 5 mistakes listed on my credit report in the OTHER CONSUMER INFORMATION section of the report. 

They are as follows : 1 ) My name is spelled wrong. It is not XXXX XXXX. I have never gone by that name legally. 2 ) My current address is not listed. I have lived here for over 2 years. 3 ) The last XXXX digits of my XXXX are incorrect. They are not XXXX. 4 ) My birth date is missing. 5 ) My telephone number listed is wrong. It is not XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/2018, I applied for a military deferment by submitting orders for an overseas contingency with the XXXX XXXX to Navient and Navient processed the request. The orders were for a XXXX XXXX XXXX from XX/XX/2018 through XX/XX/2018. After I was XXXX, I was automatically billed {$110.00} on XX/XX/2018. I emailed Navient through their website inquiring as to why I was being billed during a deferment period. I received a response incorrectly countering that my service was not in connection with an overseas contingency eligible for deferment with Military No Interest Accrual. I then called the companys  military affairs number explaining that the orders clearly stated that the XXXX was in support of a contingency in a qualifying area. The representative was helpful and apologetic after reviewing the orders that they did in fact indicate that this was a contingency operation. My initial application had been erroneously processed as an SCRA application only, but not a deferment. The deferment was finally processed on XX/XX/2018. However, on XX/XX/2018, another automatic payment was charged for {$110.00}. I called Navient again to inquire why a second payment was processed after the deferment was resolved. I was simply given an apology and told that their automatic billing system wasnt quick enough to catch the deferment and refunds could not be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Special Financing Company, LLC
State: GA

Complaint narrative:
I reviewed my credit report and learned there was an unauthorized inquiry made by XXXX XXXX XXXX on XX/XX/2018. The unauthorized inquiry was made to my XXXX Credit Report. On XX/XX/2018, I sent a letter to the address provided on my credit report requesting that the company cease its unauthorized hard inquiries into my credit report and that they contact the credit bureau to have the inquiry removed. I communicated that to my knowledge, I had not signed any documents authorizing their organization to view my credit history and therefore the inquiry violated the Fair Credit Reporting Action Section 1681b ( c ) : Transaction Not Initiated by Consumer. I asked them to furnish any document that they believed authorized their organization to make inquiries into my credit report and I requested that the document be sent to my address. In responding to my inquiry, the company merely stated that " your credit report pulled was based on the application request received by XXXX XXXX XXXX. Special Financing Company can not remove any credit inquiries due to the fact the application do not commence with our office. '' As an initial matter, I didn't authorize any applications. Secondly, XXXX XXXX XXXX isn't listed on my credit report, XXXX XXXX XXXXXXXX, a/k/a " Special Financing Company '' is listed. Indeed, XXXX XXXX XXXXXXXX is a " furnisher '' as described by 16 CFR 660.2 ( c ) because it is an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. I have a copy of the mailed letter ( certified ) and the company 's response. I would like the inquiry removed from my XXXX Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Hello, I'm not entirely sure who I should contact with this issue so I'll start with CFPB. My husband is a XXXX   XXXX VA XXXX veteran and was able to get all of his student loans forgiven. I met him right after I finished college and have moved all over the country due to his military orders. It has been extremely difficult for me to find jobs each place we move thus making it impossible for me to cut down on my own student loan. I know he deserved to have his loan forgiven because of his service to the country but I feel as a spouse there should be some type of assistance with my student loans. I've had to sacrifice quite a bit and also my time as his care giver. I've also had to take exams to recertify my credentials to each state we have moved which further extended my chances of finding a job in a timely manner. If you aren't able to help, can you please forward this letter to a government office that might be able to? Thank you

Company response to consumer: Closed with explanation