vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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: Self Lender Inc
State: TX

Complaint narrative:
I have a secured card with XXXX  XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XX/XX/XXXXpayment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


XXXX XXXX XXXX XXXX- I am also submitting an investigation for XXXX XXXX XXXX  you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 XXXX  XXXX   XXXX   accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NJ

Complaint narrative:
Prior complaint # XXXX My previous complaint resulted in XXXX XXXX XXXX replying that they will notify the credit bureaus to delete these items from report but it could take 60 days for them to update their records.

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Prior complaint # XXXX My previous complaint resulted in XXXX XXXX XXXX replying that they will notify the credit bureaus to delete these items from report but it could take 60 days for them to update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian on the evening of XX/XX/2020 to inquire why my credit score had dropped 17 points from XXXX to XXXX on XX/XX/2020. Their representative was unable to provide any explanation for it and simply apologized. My credit score should have in fact improved as all payments have been on time for the last few years and my credit utilization is at 1 % at the time my score dropped. As well, all other indicators have been trending positively ; no new inquiries, acct avg age increasing, etc.. Experian looks to be gaming consumers ; intently diminishing their scores without a logical justification. Is that not a kind of discrimination? I have a Ch. XXXX bankruptcy that will fall off in 11 months - is this not an example of deliberately punitive action against former debtors? Again- they were at a loss to even try to explain it over the phone. They asked to read to me the negative info on my report. I can read it myself, of course. I asked how it can be that my score drops 17 points out of nowhere - with everything going well - and was only offer an apology. They recorded the conversation. I demand a proper and logical explanation for the point drop OR an upward restoration/adjustment in my score to reflect their error.

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 2020-02-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: NC

Complaint narrative:
I got this loan in XX/XX/XXXX and I am being contacted by a debt collector being Alltran Education Inc., I informed them that I will pay my loan balance of {$4200.00} but they are refusing to accept that amount and instead are trying to collect {$13000.00}. They have also placed me under garnishment and has taken my XXXX tax return which was about {$1200.00} but the balance was not reduced. I have contacted them to requested a settlement and that the garnishment be removed and they are refusing and offering me a payment of {$400.00} per month for 10 years. This debt is more than 24 years old and at this point I want the garnishment removed and the debt to be forgiven. 

I spoke to someone with this company less than 6 months ago who told me I owed $ XXXX with fees and interest and when I spoke to them today they are saying I owe approximately $ 13K when I asked how that much interest accrued in short time he was very rude and condescending. I dont believe I owe what they are saying and I shouldnt be garnished for a 25 year old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I got an alert from my credit monitoring service today that 8 of my accounts had been closed. When I went online and checked, all 8 of my credit card from Synchrony bank ( TjMAX, JC penney, Lowes, XXXX, paypal credit etc ... ) they've closed. My credit report is clean, credit score is at XXXX, all of them are in good standing. 6 of them had {$0.00} balance, they all have high credit limit, never missed a payment, I've always pay them of early. I called customer service the explanation they gave me that something had change in my credit report, in fact there is nothing change in my credit report, I checked all 3 credit bureaus and they are cleaned and nothing in my credit that warrants this action from Synchrony Bank. This will affect my credit score very badly! this is my financial lively hood they playing with. 



I will never trust Synchrony Bank again! and will never do business with them! DO NOT TRUST THIS COMPANY THEY WILL RUIN YOUR CREDIT!!!!

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 2020-02-10 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient Credit Bureau Management XXXX XXXX XXXX XXXX PA XXXX To Whom It May Concern : This letter is written to request the removal of your companys report of late payment of student loans to the credit reporting companies. 

Background : In the year XXXX Navient reported 24 late payments : 8 in XX/XX/XXXX, 60 days ; 8 in XX/XX/XXXX, 60 days and 8 in XX/XX/XXXX, 90 days. My single monthly payment was separated into the eight individual loan payments resulting in 8 late reports/per single monthly payment on my credit history. In the year XXXX Navient reported another 24 late payments : 8 in XX/XX/XXXX for 60 days, 8 in XX/XX/XXXX for 60 days and 8 in XXXX of XXXX for 90 days. 

I requested forbearance due to loss of employment on XX/XX/XXXX from the servicers of my federal ( XXXX XXXX ) and private student loans ( Navient ). The servicer of my federal loans processed the forbearance immediately, no fees attached however when I contacted Navient, I was told that I needed to pay a forbearance application fee up front for the application to be initiated. 

I disputed the application fee requirement and during this time, I fell behind in my payments. Eventually, I was able to negotiate a reduced payment agreement. Throughout this turbulent time, Navient generated numerous late payment reports to the credit bureaus. As a borrower, it is my belief that I made multiple good faith attempts to honor my payment obligations with my loan servicer, Navient. I also tried to use my forbearance/deferment benefit in a time of severe financial hardship and Navient made it difficult for me to use this benefit. The late payment reports generated by Navient have adversely affected my credit score and I have endured increased financial hardship over the last four years. 

I am requesting that these late payment reports be removed from my credit history. 

I am enclosing my XXXX  and XXXX credit bureaus reports for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX from XX/XX/XXXX until XX/XX/XXXX I've sent 4 different letters to the XXXX   credit bureau demanding them to let me see verifiable proof ( an original consumer contract with my signature on it ) from Santander consumer USA .Because according to the FCRA section 609 ( a ) ( 1 ) ( A ) They are required by federal law to verify through physical verification of the original signed consumer contract- any and all accounts they post on a credit report. Otherwise anyone paying for there reporting services could fax mail or email in a fraudulent account. They never sent me a copy of the original signed contracts or deleted these accounts despite 4 written letters violating federal law. They always responded these accounts were verified and being reported correctly, but they never told me who verified these accounts or sent me any original documentation as required by section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA they're required to promptly delete. The law is very clear as to the civil liability and remedy available to me if they fail to comply under the ( section 616 & 617 ) The Santander account is a XXXX dollar debt from XX/XX/XXXX written off with a XXXX dollar past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I called CMC funding and spoke to XXXX. I told him I want to pay XXXX bi weekly starting XX/XX/XXXX. He said he got it all set up and informed me some months will be 3 payments such as that month due to being bi-weekly. Firstly he messed up the amount XXXX. I went to get tax information XX/XX/XXXX and noticed it gave me a notice of possible late payment. I looked at my last months statement and it had a late fee of XXXX for XX/XX/XXXX even though I paidXXXX on a XXXX mortgage. I called and spoke to XXXX on XX/XX/XXXX. I expressed that this was not ok to charge me late fees due to their structure and option of paying every 2 weeks. I also told her that they need to waive the XXXX and since my payment payed the late fee instead of principal, they need to reinstate that amount back to when it was charged and recalculate the amount owed and interest charged to me due to the XXXX not being applied. She refused. She also said to change the payment amount she would not need to charge me all of XX/XX/XXXX AND XX/XX/XXXX to " pay ahead ''. I should not have to " pay ahead '' if the point of paying more now is to not pay on that interest over the months. Paying Bi-Weekly should also have the same affect. They have predatory lending practices by offering a biweekly payment option but if you take it you have to pay months ahead and if you don't you are charged late fees which only furthers THEIR BENEFIT of charging me interest on all those amounts. Interest on the money not paid due to it going to their late fees and also interest I pay because I'm paying " ahead '' but it counting toward the months in the future and not principal now. 

They are saying I have to pay XXXX today XX/XX/XXXX so that I can be far enough ahead to pay XXXX starting XX/XX/XXXX and biweekly there after. She said that the XXXX is the BASE amount but then I am paying more base amount in each biweekly payment thereafter. They gave me no other options, take it or leave it. 

you can get a copy of both the calls and my statements to prove out what I am saying

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 2020-02-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX. After reviewing my XXXX  credit report I noticed that i still had an old Chase credit card on file that began with the following numbers ; XXXX*******.. It was closed on XX/XX/XXXX over 10 years ago and furthermore contains inacurate information which stated that it was opened 11 years and 7 months which is bizarre. 

I called Chase credit card services and talked to an individiual and asked that this be removed from my credit report. She said that she could not do this because it was up to XXXX. When I Disputed this with XXXX, they told me that it was up to Chase credit card services. 

I believe that both XXXX  and Chase are in non compliance wit the FCRA. PLease forward my complaint to both. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX. After reviewing my equifax credit report I noticed that i still had an old XXXX credit card on file that began with the following numbers ; XXXX*******.. It was closed on XX/XX/XXXX over 10 years ago and furthermore contains inacurate information which stated that it was opened 11 years and 7 months which is bizarre. 

I called XXXX credit card services and talked to an individiual and asked that this be removed from my credit report. She said that she could not do this because it was up to Equifax. When I Disputed this with Equifax, they told me that it was up to XXXX credit card services. 

I believe that both Equifax and XXXX are in non compliance wit the FCRA. PLease forward my complaint to both. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My Mortgage company sold my loan to another Mortgage Servicer. The property was given to me fully by my divorce judge and I have faxed the new Mortgage company the Decree several times asking them to recognize me so I can continue to pay the loan, as I have for over 20 yrs. My Maiden name is on the deed as well. Now they will not let me speak to billing or send me a statement, I just keep paying the payment, but have little authority. I have asked to speak with a supervisor and have been waiting on a call that is probably not happening. When I can explain the situation to someone they have me to explain it but then say, they can't do anything, hours wasted. He lived here for about a year ; I for 22 years.

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 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: FL

Complaint narrative:
I tried making a dispute with the credit bureau about this account on my file. 
With no luck. I now turn to you to assist me validate this debt collector and any legal obligations I have to this account. 
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Debt Validation Letter North American Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay 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 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
This company has furnished my XXXX credit report with false information regarding an account with am owed debt attached. I never went into contract or agreed to any contract with company for any reason. They illegally obtained my information to falsely report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
My Synchrony Bank Amazon # XXXX and Ashley Homestore/Advantage # XXXX credit card is lost/stolen and has fraudulent and unauthorized charges on both accounts. All the charges and transactions on both credit card accounts are fraudulent charges and not my charges.

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Grant & Weber
State: CA

Complaint narrative:
Grant & Weber INC and XXXX where paid XX/XX/2019 have copy that they where paid for before going too collection Also my address is wrong have only lived in 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 2020-02-11 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have a secured card with XXXXXXXX XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XXXX  payment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


Dept of Nel Net- I am also submitting an investigation for Dept of Nel-net you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 Dept of Nel-net accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.

Company response to consumer: Closed with explanation