vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 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: WI

Complaint narrative:
I Called  XXXX  on  XXXX   XXXX     2017 aft er sending several certified letters and hearing nothing in return. I talked to an employee that was beyond rude and refused to dispute my debt OR provide any information on how inaccurate information was verified with no contracts or bearing signature. ( this employee went on to say  XXXX  as a credit bureau Does Not have to verify anything, they can just look at at screen and if my name matches, it 's valid ) I then stated if you mark something on my report as verified by your company  XXXX , I have a right under federal law to be given information on HOW this was verified as it IS Inaccurate.   I also informed this employee that the company continues to report addresses that I do not live at nor have lived at nor can I receive mail at. Which again means this company is reporting inaccurate information about me. I also sent a certified letter to  XXXX  and EXPERIAN on  X/XX/17    stating something along these lines ... Please validate this information with   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature.   In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A  ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification.   This company has no professionalism and before my call was over the employee had even told me to try to sue them, as he will not do anything to verify any information on my report and hung up on me. I was in shock! I have never in my life dealt with such horrible customer service, not to mention the fact that they make it impossible to talk to anyone about a dispute or incorrect data that they continue to report.  XXXX  and Experain will transfer you over and over again until somehow the line gets cut. It is an endless circle that gets nowhere and then when you do finally get ahold of someone this is how they speak to you. Not impressed at all with this credit company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: AZ

Complaint narrative:
I have never paid this account late  XXXX   XXXX   XXXX  Account #  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 2017-05-23 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: CA

Complaint narrative:
There are many mistake in my report, I have never paid late these accounts :  XXXX   XXXX    XXXX     XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX    XXXX   XXXX   Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX    XXXX   Account #  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 2017-05-23 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: Selene Finance LP
State: CA

Complaint narrative:
I requested from  " Selene Finance '' num erous times for reinstatement so I could issue a cashier check to reinstating my loan. It 's my belief that  Selene Finance purpo sely abandon their policy. On  XX/X/2016    at  XXXX    XXXX   for  20 min/ 47sec I  spoke with  XXXX   XXXX   a  employee with Sel ene Finance she was baffled and in shocked as to why I was not issued an reinstatement letter. She reor dered the reinstatement letter  ( th is makes my fourth request ) which was cancelled for a second time.  XXXX  also confirmed the following :  1.  On  XX/XX/XXXX  I ordered a payo ff 2.  On  XXXX   XXXX ,  2016 I  requested a reinstatement statem ent 3.  On  XXXX   XXXX  , 2016 I sp oke with  XXXX   XXXX  and in his notes I re-ordered a reinstatement statement but it was never order.    4. O n  XXXX   XXXX ,  2016 I pa id  XXXX  as of  XXXX   XXXX ,  2016 a partia l payment ( unapplied ) {$7100.00} was in SUSPENSE Currently I owed {$5900.00 } 5.  On  XXXX   XXXX ,    2016  I spoke with  XXXX   XXXX  she was highly perplexed as to why I did not received a reinstatement statement ( prior to making a payment, stating its their policy that a reinstatement statement must go out to the borrower to assure the borrower of the reinstatement balance owed.    6.  She confirmed on  XXXX   XXXX  , 2016     XXXX   XXXX  deleted the reinstatement request.    7.   XXXX   XXXX  re-ordered the reinstatement statement and schedules a follow up call on  XXXX  at  XXXX . Unfortunately we have not spoken again.     I was charged  XXXX  late fees  XXXX  for  XXXX   2016 an d  XXXX     2016.     Selene Finance cla im I owed over {$6000.00} in fees that carried over fro m   XXXX   XXXX   XXXX  . Un true.   They have submitted to the credit bureaus that I have been 60 days late, for  XXXX  &  XXXX   2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CA

Complaint narrative:
There are many mistake in my report, I have never paid late these accounts :  XXXX   XXXX    XXXX     XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX    XXXX   XXXX   Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX  Account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CA

Complaint narrative:
You have reported wrong status in my report I have never paid late these accounts : "  XXXX  -  XXXX  " "  XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  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 2017-05-23 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: CA

Complaint narrative:
You have reported wrong status in my report I have never paid late these accounts : "  XXXX  -  XXXX  " "  XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: TX

Complaint narrative:
There are many mistakes appeared in my report I have never paid late these accounts : "   XXXX     XXXX  # Account #  XXXX   XXXX  '' "  XXXX   XXXX   XXXX   XXXX  # Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX  DEPT  OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX  DEPT  OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''  " U S DE PARTMENT OF ED Account #  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 non-monetary relief
Consumer complaint received 2017-05-23 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: TX

Complaint narrative:
There are many mistakes appeared in my report I have never paid late these accounts : "   XXXX     XXXX  # Account #  XXXX   XXXX  '' "  XXXX   XXXX   XXXX   XXXX  # Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  U S DEPARTMENT OF ED  Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I demand to see verifiable proof of this information listed on my report "   PUBLIC RECORD   :   US BKPT CT   AZ    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 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I demand to see verifiable proof of this information listed on my report " PUBLIC RECORD : US BKPT CT AZ  XXXX  -  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: Select Financial Services, Inc.
State: CA

Complaint narrative:
I requested from "  XXXX   XXXX  '' numerous times for reinstatement so I could issue a cashier check to reinstating my loan. It 's my belief that  XXXX   XXXX  purposely abandon their policy. On  XX/X/2016    at  XXXX   XXXX  fo r 20 min/ 47sec I  spoke with  XXXX   XXXX   a  employee with  XXXX   XXXX  she was baffled and in shocked as to why I was not issued an reinstatement letter. She reordered the reinstatement letter  ( this m akes my fourth request ) which was cancelled for a second time.   XXXX   also confirmed the following  : 1.  On  XXXX   XXXX  I ordered a pa yoff 2.  On  XXXX   XXXX ,  2016 I re quested a reinstatement stateme nt 3.  On  XXXX   XXXX ,    2016 I sp oke with  XXXX   XXXX  and in his notes I re-ordered a reinstatement statement but it was never order.   4. On  XXXX   XXXX ,    2016 I p aid  XXXX  as of  XXXX   XXXX ,  2016 a  partial payment ( unapplied ) {$7100.00} was in SUSPENSE Currently I owed {$5900.0 0} 5.  On  XXXX   XXXX  , 2016 I s poke with  XXXX   XXXX  she was highly perplexed as to why I did not received a reinstatement statement ( prior to making a payment, stating its their policy that a reinstatement statement must go out to the borrower to assure the borrower of the reinstatement balance owed.    6.  She confirmed on  XXXX   XXXX  , 2016     XXXX   XXXX  deleted the reinstatement request.    7.   XXXX   XXXX  re-ordered the reinstatement statement and schedules a follow up call on  XXXX  at  XXXX . Unfortunately we have not spoken again.     I was charged  XXXX  late fees  XXXX  for  XXXX     2016 a nd  XXXX     2016.     XXXX   XXXX  claim I owed over {$6000.00} in fees that carried over from  XX/XX/XXXX   XXXX   XXXX . Untrue.   They have submitted to the credit bureaus that I have been 60 days late, for  XXXX  &  XXXX     2016.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
When trying to submit a dispute with Equifax, it asks me questions to confirm my identity, and the questions are n't about me.  Main one that raised a flag was " Our records show you have a Student Loan, what credit union is tha t through? ", and I 've never had a Student Loan, there 's a couple other questions that I 've been asked that I ca n't recall at the moment. This is resulting in my Equifax not changing, and being stuck at a low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Prior to a divorce, I was unaware my spouse was not paying on the loan. After separation, the loan company called me and basically threatened me. I turned in the required documents that they sent me. I asked them to send the documents to my spouse since most of the loans are hers. The company told me directly they sid not care abour her. I was rhe primary signer and rhe note and she was secondary. After completing and sending the info in, I received notice about 30 days later that I had defaulted. It took me a year, but alone rehabilitated the loan. I was told that after rehabilitation, the penalties would be erased. That never happened. Last yea r Navient sent me information about loan payment that is impossible to pay. After dealing with them for over a month, I qualified  for the income driven plan. My now ex-wife of 5 years is non-compliant. She has refused any attempts yo dealing with the student loans because of the divorce settlement and the fact that I am the sole name on the front page of the note. I received a letter from Navient stating my loan was in 45 day forbearance due to me having to recertify my income. They told me my Loan is on hold because they are trying to get my ex to respond. After she did not respond, last year they certified me. This year they said that the certification last year was a courtesy. This year they will not honor it and they are now going after the ex. My complaint is I have not talked to the ex and now they asked me to get her or her attorney to contact them. They said if she does not respond, this will affect, me, my credit, and the status of my loan. I asked them to send me a copy o f the MPN. Theybsaud they do not have or never of had one. Thwybwant me to send them my copy of the MPN. I ca n't find this document. Yesterday  I sent copy of m y 2016 taxe s again. I sent them again after sending them in  XXXX . I am trying to pay the loans. Replaced them in forbearance without my authorization and have no record to prove to me the terms of the loan and who is on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I filed bankruptcy years ago, case number  XXXX  and   XXXX   XXXX    XXXX   XXXX  COMPANY AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDERS OF   XXXX   XXXX    XXXX  MORTGAGE PASS THROUGH CERTIFICATES SERIES  XXXX , intervened in the bankruptcy. I was informed that my mortgage and note was transferred into that trust, some years ago, if this is true I would like to know when it was transferred.   XXXX   XXXX    informed me that they have no interest in the property located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Il  XXXX  and I am trying to determine if the Mortgage is in that trust or not because I keep getting contradicting info. I have sent sever al Debt Validation Letters and Qualified  Written Requests, which have gone unanswered. I would like the contact information for the Trustee. I am trying to get clear title

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Informative Research
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report s (   XXXX ,  XXXX , and  XXXX   ). The credit  report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order P lease remove these inquiries from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I started a gym membership with  XXXX   XXXX . I was detailed out of town fo r 60-days, and since the gym membership was {$140.00} per month, I tried to cancel my membership. The manager said that I could not cancel my membership in person, and could only do so by sending a certified letter with 30-day notice. I did thi s in  XXXX . I also asked my bank to stop payment. In early  XXXX  the bank stopped the payment, but  XXXX  used a different company nam e ( a vari ation ) to withdraw the payment. I filed a claim with the bank, but they said there is nothing I can do. I called the manager at  XXXX  and demanded they stop, and they said that I would have to send another certified letter. I filed a fraudulent claim with the bank, but the bank reports there is nothing they can do if  XXXX  uses a different name.     I am not authorizing them to withdraw money from my account. They must stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report s (   XXXX ,  XXXX , and  XXXX   ).  The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Please  remove these inquiries from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been enrolled in public service loan forgiveness for years, through 3 different servicers since this program was made available in XX/XX/XXXX. I am an XXXX working in XXXX XXXX XXXX since XX/XX/XXXX. This program has allowed me to stay and not go work for a private firm which would pay more. It allows me to plan for retirement. These servicers fail to give me credit for payments made ( some full payments made during a forbearance reps suggest while we wait for recertification or verification or new beneficial regulations to go into effect are not counted - they need to give credit for these payments ). I have asked many times for a supervisor to call me, to address the problem, for an analysis of my payments, for them to update the number of payments I have made, to correct the ongoing errors. They do not respond and they refuse to share contact info. I have spent countless hours on the phone trying to get answers and credit for payments made. I have sacrificed many many months and even now, years, when payments could have been made but we needed to wait for these service providers to implement a new program or process documents or especially while transferring to new providers ( especially waiting fr XX/XX/XXXX which was date fo 10 % cap implementation - it took until XX/XX/XXXX to actually have them do it - so I lost a year and a half. Bottom line is I am entitled to additional credit for payments made. I request and am entitled to credit for EVERY payment I have made. Errors in the past decade where plans were incorrectly assigned to me or employees of XXXX XXXX failed to process applications and documents I have submitted, all need correction so that I can RETIRE. This is the worst administered program I have ever encountered. And I work in XXXX. It is not fair to the borrower. We need to be able to talk to the same person and not rehash the issues with multiple people, many of whom lack the knowledge to address the issues correctly. I did get a few corrected recently but I can not understand why some were fixed and not others. I have large files full of documents.

Company response to consumer: Closed with explanation