vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have disputed these item several times however the company refuses to send any concrete evidence that these is my account. I will go one by one. 

XXXX - The name of the creditor is XXXX XXXX XXXX which makes me believe it is used for health related services. As a XXXX veteran I receive all of my medical and dental services from VA. I have requested the information below from the company. 

a. Is this a medical bill? 
b. What services were performed? 
c. Who received such services? 
d. Who signed the original contract? 

XXXX This appears to be a a XXXX XXXX card. I requested the information below from the company. 

a. What services were performed? 
b. Who received such services? 
c. Who signed the original contract? 

XXXX This appears to be a a XXXX card. I requested the information below from the company. 

a. What services were performed? 
b. Who received such services? 
c. Who signed the original contract? 

I suspect I may have been the victim of identity theft but until I receive the requested documents there is no way I can be certain beyond any doubt. All they have to do is provide something, anything with my signature on it which establishes some contractual obligation that is binding on me to pay this debt so I can see who signed it and who signed for the merchandise and/or services. It is a simple request. Instead all I get is copies of old statements and a template letter telling me they verified it. I am also requesting for the company to provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOC in the state of Texas in case legal action becomes necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
XXXX  XXXX supplied " Alternate facts '' that showed information that was outdated and not matching my three credit reports, which First Hawaiian Bank used to deny us credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: CA

Complaint narrative:
I contacted XXXX Mortgage company early XXXX to make payment arrangements. As our county each year for the last 4 years have been hit with a natural disaster fire. I was advised that I could make payment arrangements. I was told since I was in an area that was declared a natural disaster area I would not incur any late fees and they would not report any late payments. I recently pulled my credit report and all three agencies show multiple late payments for XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. I contacted the company to have them resolve the issue and was told I would have to submit a letter to their dispute department. I was told this was the only form of communication I could use. As there was no phone number or email address as a contact. I submitted a dispute with all three credit reporting agencies. Trans Union updated my file under remarks that I was Affected by natural disaster. Which increased my credit score.  However, they did not removed the late payment history for those months. Today I received confirmation from XXXX that they have updated the remarks on my file to reflect " Affected by natural disaster '' and, they also updated the monthly history to show no late payments. I tried to issue another dispute to get the late payments removed but was unable to do 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 2018-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still on my credit report.

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 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IN

Complaint narrative:
They call from different numbers up to 15 times a day to my spouse and myself. When trying to see what the debt was, we were yelled at stating that we know what the debt is and dont act stupid. When I requested a letter to verify the debt and to verify who they were, they told me they wouldnt give mail me anything until I gave them my card number. They were very rude, I told them to not contact me again until I receive a letter and we both continue to get calls. 
I first talked to them in XXXX of 2018. Nothing but calls sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: KS

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to XXXX and Transunion to delete an account on my credit report for XXXX. XXXX collection for XXXX XXXX XXXX due to the fact that this debt was never owed by me and in fact I ended up having to take XXXX XXXX to small claims court because of this collection and the fact that they owed me money for improper charges for a move out of an apartment. I won that case # XXXX in XXXX County KS on XX/XX/XXXX. The judge told XXXX XXXX the judgment against them was for {$490.00} plus court costs and fees and they were not to use this to offset what they claimed that I owed them as I owed them nothing. However, this is what they did. XXXX   XXXX originally posted the collection account on both XXXX  and Transunion in the amount of {$1400.00}. After the judgment, they changed the collection amount on XXXX and Transunion to {$880.00}. I sent XXXX  and Transunion all supporting documents from the court case and after my dispute was " investigated '' by XXXX they stated that the results were " we verified this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact ... '' with XXXX XXXX contact info. Transunion stated the results were " verified as accurate ''. Both credit reporting bureaus are still reporting this collection from XXXX XXXX. This collection account was updated by XXXX XXXX on Transunion on XX/XX/XXXX and XXXX  on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
I filed a previous complaint regarding M.A.R.S. Inc and XXXX XXXX XXXX with this agency regarding the false reporting of a collection account to the credit reporting bureaus. I also attached court documentation. Since this agencies decision, we again went to court due to XXXX XXXX XXXX  not paying the judgment against them in my favor. This was a small claims judgment in XXXX County KS # XXXX on XX/XX/17 for {$490.00} plus court costs and fees. The judge ruled that they were not to offset this amount on what they " claimed '' I owed them as I owed them nothing. However, they have continued to report this as a collection account in the amount of {$880.00}. They originally were reporting this collection amount as {$1400.00}. They even verified this debt to the CFPB during the original investigation stating this amount was verified by XXXX XXXX XXXX   as correct, when they knew full well that it was not. I sent M.A.R.S Inc all of the court documentation and they continued to knowingly report a fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: FL

Complaint narrative:
I am a victim of identity theft and I have been a victim for years. I have mailed all the requested documentation - an Identity Theft Report along with a signed and notarized affidavit, a copy of my driver 's license and a copy of my police report with police officer contact information and badge number. I requested the fraudulent accounts to be blocked out of my credit report as permissible by law. 
According to USPS tracking number XXXX I have mailed it all on XX/XX/2018, Equifax received it on XX/XX/2018, processed it on XX/XX/2018, investigating the items instead of blocking them with no further explanation. The results of their investigation did not remove nor block any of the fraudulent accounts reported but 2 fraudulent accounts. 
XXXX has already blocked the fraudulent accounts off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/2018 I called the XXXX XXXX hotline at XXXX to make a Loan Cancellation Payment. I gave the representative my correct bank account information : I clearly stated the routing number on my bank account and XXXX XXXX account : XXXX. I asked him to make a Loan Cancellation Payment of {$4200.00} and he told me that he submitted the payment using the bank account information stated above. He also informed me that XX/XX/XXXX was the deadline for my Loan Cancellation Payment because it was 120 days after the loan disbursement. 

On XX/XX/2018 I received a message on my XXXX  XXXX account stating that the XX/XX/XXXX payment was rejected because my financial institution was unable to locate my account. However, I had given the information for the same bank account I have always used to make loan payments and I have never had a problem doing so before. I called the XXXX XXXX hotline for guidance and a representative told me to make the payment immediately and that she would submit the case for review. I made a payment of {$4200.00} from said bank account through my XXXX account on XX/XX/2018 as the case was submitted for review. 

On XX/XX/2018 I received an email stating that XXXX   XXXX had conducted a review and could not make a Loan Cancellation Payment because I had submitted my payment through my XXXX account on XX/XX/2018, the day after the 120 day cutoff for a Loan Cancellation Payment. However, I had actually made the Loan Cancellation Payment through a telephone representative on XX/XX/2018 with the exact same bank account information, which mysteriously failed to go through. When I made the payment with that exact same bank account information on XX/XX/2018 the payment went through. I called the XXXX   XXXX  hotline to contest the decision : If the Loan Cancellation Payment did not go through on XX/XX/2018, it was neither my nor my bank 's fault because the payment successfully went through when I made it 8 days later. The error is on behalf of XXXX XXXX   and its representative. Therefore, the {$4200.00} payment I made on XX/XX/2018 should be scheduled as a Loan Cancellation Payment. I should not be penalized for the mistakes of XXXX XXXX and its representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TimeMark Solutions, Inc
State: LA

Complaint narrative:
I was told by TimeMark Solutions Inc, that the reason that I was not qualifying for XXXX forgiveness was because I needed to have my loans consolidated and taken away from XXXX  for five payments of {$110.00}. However, after speaking to XXXX, this is untrue and I could have filled out the paperwork myself for free. The information was presented as if they all worked together for XXXX and they do not. TimeMark Solutions Inc. is a third party company that is getting over on people when I am already struggling to repay my student loans. The money paid to them could have been paid towards my loans. Is there any way that I can get my money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still on my credit report.

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 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AZ

Complaint narrative:
XXXX XXXX- corrupt, incompetent. 

I have completed 2 XXXX degrees back to back with a XXXX GPA. I have not found any work since graduating in XX/XX/XXXX and I have applied for over 40 jobs at the XXXX XXXX XXXX where I live and I have not even been called for 1 interview. I have had my loan in deferment and I contacted XXXX in XX/XX/XXXX to ask about renewal and I was told to submit a renewal on XX/XX/XXXX. I did this, and then they denied my deferment and said they wanted 6 paper job applications mailed to them. I already regularly search the local employment agency jobs as required and I was connected to the manager of the agency of it by email and she sent me their online site so I could search for jobs. But the official employment agency site has old, expired jobs, and I use other much better sites such as the direct XXXX XXXX XXXX employment site, and direct business local job sites, that are much better. 
In XX/XX/XXXX I emailed, and XX/XX/XXXX land mailed XXXX 10 job applications that I had submitted to the XXXX XXXX XXXX. They never acknowledged them and then they sent me a bill to pay. I called and they said they had not received my letter yet, but to ignore the bill. I called them again in XXXX, and XXXX several times and they told me they were back logged and that the person I spoke to should have never asked me to send them the additional applications that I submitted. They told me that I should receive a confirmation email of my deferment by XX/XX/XXXX, but I did not. Today, I received a past due bill from them telling me that I am in default, and have a bill due with late fees, and that I would have to pay collection fees, etc. I called them and each time I call I am told something different, this person today, told me to resubmit applications to them again. Today, I re/sent the email to them that shows that I submitted job applications back in XXXX, and had applied for a renewal of deferment then and I told them I needed them to put my loan back into deferment. Their response was that they just sent me a link to a deferment form and no comment. They are the most incompetent and fraudulent business I have ever had to do business with. I need my loan kept in deferment, I am XXXX!! I have to manage a health XXXX and their continual harassment is harming my health and making my XXXX worse. I need them to put my loan back in deferment and remove any fees, payments they have added, as none were due because I applied for my deferment before the one I had in place expired. 
Please help me with this. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: MI

Complaint narrative:
I use XXXX XXXX for my credit information. Just a few months ago my credit on both credit companies ( TransUnion and XXXX ) was Excellent. After checking this month I have the same good reports for both companies EXCEPT the hard inquiries, especially Transunion. The 7 hard inquiries at Transunion includes multiple inquiries including XXXX/XXXX ( 3 ) dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX XXXX ( 2 ) dates XX/XX/XXXX and XX/XX/XXXX. I have not applied for or given permission for these two subjects to check on my credit, I have one credit card ( XXXX XXXX ) and one mortgage transfer to the local bank which would account for the large amt. The subjects mentioned above have nothing to do with either of these institutions. My concern is that in a matter of a few months my credit has be deeply affected ( from Excellent to Fair ) based on the fact that Transunion never questioned so many requests without a written permission from me. I have had several identity fraud problems in the past and feel that these hard inquiries are the start of another problem for me and also have affected my credit rating that I have worked so hard to obtain. I appreciate anything you can do for me. 
XXXX XXXX XXXX ( 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 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Equifax data breach was in XX/XX/2017 ; using their site, I found out that my identity information was one of the millions stolen. Equifax, through their site, has claimed that those people whose data has been stolen due to the Equifax breach can have a free credit monitoring/identity protection service. When I tried to sign up for the credit monitoring service, I get an error message -- again and again and again. I have called their customer service about 10 times in the last year trying to get them to sign me up for the credit monitoring/identity protection service service since my data had been breached from their data bases, however it's always the same story : I get a customer service rep on the phone who apologizes for the inconvenience and then tries to sign me up for herself but gets the same error message. I rarely get past that point. When I can get a manager on the phone -- which is almost never -- I am soothe-talked and told that someone will look into this and get back to me. When I ask for an email to that end, I get excuses, not an email. Once, in XX/XX/2017, I got a floor manager who sent me an email promising to follow-up in a few days, but never heard back and never was able to get him on the phone again. The email from him is copied-and-pasted below : " From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Sent : Tuesday, XX/XX/2017 XXXX XXXX Subject : Service Request XX/XX/2017 Thank you so Much for allowing us to resolve your issue. 
Your service request has been submitted and you will receive a resolution to your issue of not being able to create an account with XXXX within 3-7 Business days. At which time you will receive another email with our resolution. 


Thank you for your Patience, XXXX XXXX Equifax, Floor Supervisor '' Now I have found out that Equifax stopped offering the free credit monitoring/identity protection service for those people had their data stolen from Equifax, but they should, at the very least, give me my year of credit monitoring/identity protection service -- heck they should give me two years after all the waiting on hold and not being able to speak with a manager not getting any emails or snail mails from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
I have applied for a mortgage to refinance my current balloon 1 year loan which is due XX/XX/XXXX. My new loan is ready to close and my lender is unable to obtain a payoff demand from the current Service company XXXX XXXX XXXX. My loan # is XXXX, on XX/XX/XXXX I signed a borrowers authorization to release the payoff and it was sent to FCI on 3 different dates, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and again today XX/XX/XXXX at XXXX. When my lender called they said title tried to order, and they have my lenders request but the name on the borrowers authorization is not correct so they wont allow the request. They are having them send a 4th request and said it would take another 7 days to process. My lenders legal name is on the authorization that I signed, XXXX XXXX XXXX, I need them to release it to my lender ASAP so I do not lose my locked interest rate. I keep getting calls from XXXX hounding me to do the loan with them ( XXXX has FCI service the loan for them ). and feel this is why they are delaying and possibly putting me in a financial loss. Please help make them release the payoff demand so I can obtain a fixed rate 30 year loan.

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