vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
The collector name is ERC. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I called their number and spoke to XXXX at XXXX and she said after trying to verify me by telling me the debt was incurred by someone living at an address that did not match mine where the attached dunning bill was sent, that I should file a police report of fraud which is what I am doing I think. Then go to XXXX to let them know this debt is not mine. Hope that is what I should be doing. 
I have a XXXX phone but it is in the name of my company and XXXX says we are totally up to date for payments. I have not had a personal XXXX account since XXXX and this supposedly was incurred in XXXX according to XXXX at ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Complaint is against XXXX XXXX. My payments are current and have been current for some time was late in XX/XX/2018. Caught payments up and paid over 1000.00 a month for almost a year. Company shows payments of XXXX never reflect payments of XXXX  and stated I owed late fees. But payments where current. 

There stating since I owe late fees which I dispute they can report me late every month. Although they get there payment every month. 

This company is a scam and have been sued by the State of California and other class action suits.

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 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I missed my XXXX mortgage payment because our electricity was off in XXXX california for 4 days because of the fires. All the banks were closed. Internet was down. 
I did not even know that my payment had not been submitted. I found out on the XXXX and immediately made full payment but Shellpoint charged me a late fee because tis was " not their fault ''. I said it was not my fault either. This was an act of XXXX like a hurricane or tornado or flood. 
I called shellpoint up repeatedly and they either said they were busy and would call me bak or told me they couldn't deal with the problem. I asked for supervisors and was repeatedly told one would call me back. 
I sent an email per their request and still got no response. Today, I was told that my request had been denied but they sent me no letter and I got a letter in the mail today saying that the decision is still under consideration. 
they also lied when they said that they tried to contact me. they did not. I am attaching a print out of my call and communication record with them and also the letters I have received from them. 
XX/XX/2019 XXXX XXXX- tried to call yesterday. shellpoint said they would call back and they never did. Our mortgage payment was not submitted becasue of the XXXX shutoff. Am on hold again today. XXXX XXXX said she will make a submittal to waive late fee becasue of shutoff. Call Friday talk to customer service rep. I have asked that a supervisor call me back. She said a supervisor will call me back at XXXX. email XXXX XXXX/XXXX/2019 XXXX XXXX-No one called back. No one responded to my email. XXXX XXXX, customer service, can't find any record that anyone has even looked at the email or even at the situation. He is resubmitting request. doesn't know why noone has looked at it or responded. 
XX/XX/2019 XXXX XXXX- I am calling back because noone has responded. They are saying that wait times are a little longer than usual. Got letter saying that the loan was delinquent and they had made several attempts to contact me. that is a lie. XXXX is attempting to connect me with a supervisor. XXXX XXXX. I hung up after being on hold for 15 minutes. Am calling XXXX XXXX at XXXX ext XXXX. She is not there and I am on hold here to. XXXX XXXX, not supervisor, XXXX XXXX, will not send me a copy of late fee denial. He is sending me over a note that they apparently sent today about my request on the XXXX. I sent another email to loan servicing. I just received a note from SP saying they are considering the facts, dated yesterday. but they told me today that it had been denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has affected my credit report although i haven't stop paying. 
XXXX has denied an uncreased on my credit due a delinquency report against my well done by Navient. 
on XX/XX/2019, Navient on PA has ignored my pay check for XX/XX/XXXX payment for about 3 weeks. Due t this fact, I went to XXXX to stop that check. According to the Banker the check wasn't cashed. 
Navient has case me a lot of trouble. Ones I went o XXXX and tried to use XXXX and they denied service to me. 
Navient has denied my loan forgiveness although I have 18 years working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   College Never disclosed all these issues abut XXXX XXXX student Loan. 
I did not know Sallie Mae was a private. when I Look at my bill, it is not clear, how much d still owe or by balance. Right know is finished my 10 years of payment, but it is not clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC
State: SC

Complaint narrative:
This collection company is trying to collect a fraudulent debt that is disposed/discharged as a judgement in 2012. 
The debt is no longer collectible according to the court records. It also has not been properly validated. 
I called The company and they are even trying to collect even more than the original amount of the debt which was {$3100.00}. They are trying to Collect {$6300.00}. This is illegal and is violating the fair debt collection practices act and the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: VA

Complaint narrative:
Please provide the response of XXXX  for your investigation on XX/XX/XXXX and XXXX, 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: VA

Complaint narrative:
What didn't you removed the hard inquiry despite the letters issued by XXXX XXXX  dated XX/XX/XXXX and XX/XX/2019, to you to remove the hard inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
Back in 2017 I was the victim of a fire. My apartment caught fire and I lost many personal belongings along with furniture, clothing, electronics, etc. After all that I was very depressed but wanted to make sure I notified the appropriate parties of the issue I had. One of the companies I notified was XXXX. I told them that the equipment had been burned in the fire. They told me " Ok, no problem ... we will go ahead and waive that box fee '' when I asked them if there was anything else I needed to do they said " No, everything is taken care of '' and I was " good to go ''. I did not need to get the service again so I was under the impression that this issue was resolved. Unfortunately a while later I realized that they had sent me to collections. So I called XXXX back again and the person who I spoke to told me that they didn't waive the box fee and that I had to pay and the person I spoke with was incorrect. I didn't think that was fair. The original person I spoke to at XXXX told me they would waive it and I would not have to worry about it. And it doesn't make sense why should I be responsible for something that got burned in a fire? This was not my fault. Now it's on my credit and it is damaging my XXXX score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Since I travel a lot my bills including the mortgage payment to DiTech are on an automatic payment plan through the XXXX XXXX XXXX. As. A result I have never missed a mortgage payment. DiTech sold my loan to XXXX XXXX. Before I changed the payee to XXXX XXXX the XXXX payment was made to Ditect. Loan care has never received that payment and now consider that loan payment past due. 
I have contacted DiTech 4 times about this situation and XXXX XXXX three times. Both companies have been provided copies of bank statement showing there has been no missed payments. 
XXXX XXXX has told me They have no way to resolve this issue and I must deal only with DiTech. 
DiTech first told me to send the information to their customer service email address which I did. When I did not get a response I called back and the next representative said that email address is has not been checked in over a year and I would be sent a link to send the information to. That link never arrived. I called back again. This time I was given an address to send the information to. My certified letter got a response that I would have a Written response within 30 days. Their response was they are still looking into it. As I am writing this I have waited 31 minutes for a supervisor. I again was directed to customer service. 
Loan care has given me until XXXX for full payment. After that date the account will be considered delinquent charging me interest and affecting my credit. I have notes and documents on every attempt I have made to correct this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received mail from Citi Bank on limited time offer on opening a checking account with an enticing promotion, I went to the link ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and spent time to fill out the form. The immediate response was that my application was denied. No reason given. 

This makes realize that this is but a trick Citi Bank use to collect consumer information to whatever purpose later on.

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 2019-11-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently came to a Equifax part of the CFPB and saw that the Equifax security breach had a page to enter in the SS # and some other info to see if I have been affected on the past breach. Sure enough, I am. I tried to access the dispute I had put in all these years with Equifax but their reports on line only went back a year. Thus doing me no good since they need all the way back to 2017. I have been disputing errors since then and beyond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I do not dispute the fact that my Navient accounts were severely past due. I had attempted to negotiate my payments directly with Navient multiple times prior to my account being charged off, however they were adamant that they would be unable to lower my payments further than approximately {$530.00}, which would have been unreasonable. 

Per my credit report my loans have been charged off with Navient, and my account was also referred to collections. Arrangements have been made with the 3rd party collections, however Navient is not acknowledging the terms of my payment arrangement with collections and is still reporting my payments as late, despite my customer dashboard correctly displaying that payments are being received in a timely manner. If additional action had been required on my part in order to bring the account current going forward, I was not told when agreeing to my current payment arrangement, and it has also never been told to me since. Per Navient 's online portal my account is currently past due {$14000.00}, despite my payment arrangements. 

The PDF password is XXXX. Apologies for having a locked document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VI

Complaint narrative:
On XX/XX/2019 XXXX was giving the seller trouble so as a result XXXX was used to send {$220.00} via the USAA app to XXXX XXXX. Im not sure if it was even sent to the right person because I never heard anything back after making the transfer. Eventually I realized it was a scam and quickly notified USAA the week of the XXXX. Today ( XX/XX/XXXX ), I was just notified by USAA that a refund cant be issued because I authorized the transaction. I am completely stressed because {$220.00} is not a small amount of money I struggle to make ends meet each day so this is a major stressor to me. Through all my years of banking Ive never been scammed. I usually extremely careful, but Im somewhat upset with USAA because being that they brand, provide and advertise the app, a lot of members put their trust in using XXXX, so incidents like this is frustrating and degrading to USAAs brand. USAA sets the bar high to prevent issues of such and its unfortunate that theyd even promote this untrusted app. Im very disappointed.Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: CT

Complaint narrative:
Back in XXXX I was victim of identity theft I file a police report and place a fraud alert on all 3 credit bureaus. The account in question is XXXX XXXX XXXX signature loan. It was deleted from XXXX  and XXXX  rightfully so but for some strange reasons Transunion never deleted the account in question. I have no knowledge of the account XXXX XXXX XXXX signature loan it doesnt belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: MO

Complaint narrative:
For the previous several months, I've received dozens of e-mail and postal mail notifications of "pre-qualification" for a loan from One Mail Financial ("OMF"). After checking (apparently censored) reviews of OMF available at XXXX XXXX (see attached screenshot, XXXX), I opted to apply for the minimum loan offered by OMF, $1500.

I completed the application form, and agreed to allow OMF to pull my credit report, resulting in a "hard inquiry".

I applied and was surprised to be offered a $XXXX "secured" loan in lieu of the $XXXX installment loan I applied for.

I decided to dig a little deeper into reviews of this company and found 100s of complaints of this exact behavior (see attached image XXXX). The story is the same each time; the company lures prospective borrowers with promises of easy terms, then after capturing the applicant's data, OMF offers completely different product.

Now, I don't know if this would be considered a bait & switch scheme, but it's certainly misleading, damaging to applicants, and hopefully illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: MI

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
With both XXXX  and Equifax, I am unable to get the credit bureaus to report corrected information, even after providing them with updated information related to an account. 

The account in question is either XXXX/XXXX  or XXXX/XXXX, which is a child support debt. The account number is XXXX. 

Equifax is reporting both XXXX/XXXX with a {$610.00} balance and XXXX/XXXX with a {$610.00} balance. This is the same account being reported twice, and the balance on the account is {$0.00}. 

XXXX  is reporting XXXX/XXXX with a {$230.00} balance. This account has a {$0.00} balance. 

This debt is paid in full. The amount owed is {$0.00}. My children are over XXXX now, so there will no longer be XXXX XXXX. So, this account is now closed. 
I have attached an updated ledger from the Washington State Department of XXXX XXXX to support my position. On page one of the report, it shows a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Awar Holding Inc.
State: NJ

Complaint narrative:
It was taken off one credit bureau but not the others. I was not responsible for it due to the fact I had Medicaid. It is {$2900.00} through gem recovery

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
With both Experian and XXXX, I am unable to get the credit bureaus to report corrected information, even after providing them with updated information related to an account. 

The account in question is either XXXX/XXXX or XXXX/XXXX, which is a child support debt. The account number is XXXX. 

XXXX  is reporting both XXXX/XXXX with a {$610.00} balance and XXXX/XXXX with a {$610.00} balance. This is the same account being reported twice, and the balance on the account is {$0.00}. 

Experian is reporting XXXX/XXXX with a {$230.00} balance. This account has a {$0.00} balance. 

This debt is paid in full. The amount owed is {$0.00}. My children are over XXXX now, so there will no longer be child support. So, this account is now closed. 

I have attached an updated ledger from the Washington State Department of Child Support to support my position. On page one of the report, it shows a XXXX balance.

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