vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive repeatedly requested to have them to stop reporting any past due of {$59000.00} on a XXXX XXXX Account on my credit report. I continuously send information to them showing that the account was closed XXXX 2012. I do not have a past due balance, this is not a FHA Real Estate Loan, Im not in foreclosure. Every time I dispute the information, its taken off my credit report, then put back on a few months later. I have submitted a statement. The another credit reporting agency ( XXXX XXXX ) that pulls credit reports on behalf of FEMA submitted the information to Equifax and they refused change it .Im submitting the e-mail, copy of credit report, Letter from FEMA regarding credit report and Denial of employment regarding credit report Please block XXXX XXXX from reporting on this account. By the credit reporting agency allowing this to occur, I was denied employment from FEMA based on the derogatory information on my credit report. Im enclosing the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Good Morning to Whom it May Concern, I attended XXXX XXXX before they closed their doors to students due to wrongful actions concerning loans. Students who attended were placed in high interest rate loans and pushed through the system. After finishing they program we all came out of school with 60k+ in student loans to a school that was not really taken seriously by top named companies. A short time back XXXX XXXX closed its doors and filed for bankruptcy. Current students and past students are now stuck on what to do next. Past students are stuck with high loans with high interest rates that will take them 20 to  30 years to pay off. That amount of time is not fair to someone that has been cheated and thrown into something they were left in the dark about. XXXX XXXX staff pushed the paper work through and only gave us the answers to the final bill at the end of a degree because their answer was we do n't know how much you owe because the interest is growing while your in school. I came out of school with 80k+ in debt to a school that I feel cheated me. If I knew this information I would have chosen differently and looked at other options. I feel that students should not be responsible for repaying XXXX XXXX student loans because we were cheated out of an education with outdated schooling material. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: AES/PHEAA
State: MI

Complaint narrative:
I have an account with Fedloan Services for my student loans. On XX/XX/XXXXI was granted both a delinquency Forbearance and a general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) On XX/XX/XXXX I was granted another delinquency forbearance and general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) Both of these are still showing as 90 days late on my credit report even to they were in forbearance ; the Fair Credit Report Act Section 623 ( a ) ( 2 ) seems to support the removal of previous negative credit history. It is my understanding of law that- Some cases the new information corrects a report that was erroneous ( e.g., the loan was wrongly reported as delinquent, because a deferment authorized delayed repayment ), and in others the subsequent information updates a report that was accurate when it was made ( e.g., the loan was correctly reported as delinquent, but has subsequently been paid ). You ask if the school must report the updated information to the original credit bureau, and if that agency is required to accept the data. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. I have requested Fedloan to update this information to the Credit Bureaus and they have told me twice they would not update my credit information on dates of XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to establish several fraudulent accounts without his consent. Some of the applications submitted resulted in fraudulent related inquires. A formal dispute of those inquiries was sent to the respective organization however the inquiry was not removed ; this is a violation of FCRA regulations. A dispute was then sent to the credit bureaus and again the inquiry was not removed, another FCRA violation. As of this morning a credit report found CCB ( Comenity Captial Bank ) is reporting the fraudulent inquiry generated to XXXX X/X/17.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX has a customer service infrastructure straight out of the XXXX 's. I have been involved in a multi-month process for IDR to go in effect on both mine and my wife 's loan. I am required to take time off of work and go through a 1 hour plus process waiting on call center representatives. Information is not consistent and already complicated processes are made more challenging by XXXX 's antiquated infrastructure. Their self serve options are non-existent. They have 0 texting or mobile functionality I experience in every other financial services industry. Very simply notifications via text would have prevented 99 % of my issues. As a citizen, I am troubled by the waste that confounds our already insurmountable student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX XXXX/XXXXXX/XX/XXXXXXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry.
i even called them and there is no proper person to speak with and i end up getting ignored and agitated.

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 2017-08-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX XXXXXX/XX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry.
i even called them and there is no proper person to speak with and i end up getting ignored and agitated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11 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: NY

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to establish several fraudulent accounts without his consent. Some of the applications submitted resulted in fraudulent related inquires. A formal dispute of those inquiries was sent to the respective organization however the inquiry was not removed ; this is a violation of FCRA regulations. A dispute was then sent to the credit bureaus and again the inquiry was not removed, another FCRA violation. As of this morning a credit report found XXXX ( XXXX XXXX XXXX ) is reporting the fraudulent inquiry generated to Equifax X/X/17.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance One, Inc.
State: MD

Complaint narrative:
This case has reference to earlier case/complaint agains XXXX XXXX XXXX XXXX XXXX XXXX per # XXXX. Now apparently, XXXX has transferred case to another collection company " XXXX XXXX XXXX XXXX XXXX XXXX. Although XXXX XXXX has termed the case as 'in dispute ' but XXXX by transferring the case to another collection company forces me to undergo avoidable harassment and inconvenience. Thanks a lot for stepping in to help as always. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
My mortgage company is charging me {$770.00} for my annual homeowners insurance for escrow purposes when the actual cost is {$720.00} per year. I confirmed the cost with XXXX XXXX and they called Midland Mortgage to provide this info. I asked Midland to change the amount and readjust my payment. My escrow shortage for this year was {$65.00} plus odd cents. I paid {$150.00} but they are still charging me extra for non payment of the shortage. I requested a response to these inquiries in writing but have received no response to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Credit report stated account was opened on XX/XX/XXXX for a balance of {$59.00} for medical that I do not owe directly to them. They have been calling my cell phone 3 times or more a day not leaving any messages and when I do answer I have asked them several times to stop calling me, mail me a letter and to not call again as I do not owe them the money and they are a 3rd party collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX*********** I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2017-08-11 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2017-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jonathan C. Frank & Associates, LLC
State: FL

Complaint narrative:
Starting on XX/XX/XXXX I began receiving calls from XXXX on multiple phone numbers, both business and personal. On XX/XX/XXXX at XXXX I answered the call and was informed it was the notifcation department informing me that legal action is being taken against me and to call XXXX for more information. The caller provided a reference number XXXX. Upon calling XXXX, I was routed to XXXX XXXX who would not provide me with any information about the reasons I was being called, just informed me that I would be receiving a certified letter in the mail explaining the lawsuit, since I refused to provide any personal information such as SS # and/or date of birth over the telephone to a company who has not contacted me via USPS regarding any debts thus far. I informed XXXX XXXX that I was requesting no further contact via telephone at my place of employment, to which XXXX XXXX started to heckle me asking me if that made me feel better since it does n't matter, they 're already going to sue me.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This is a 3rd party debt collector, not even sure what the debt is for. They have called my job, my inlaws, tried to get money from them. Said they were lawyers. Said they were some government official about a case filed against me. That I should consider this phone call as being served. I 've disputed it with 2 credit bureaus and it was removed. Then this company reported it as new credit debt back to these agencies. I have spoken to 3 employees about their illegal debt collecting practices. " Portfolio Recovery and Associates " is the company name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Benworth Capital Partners LLC
State: FL

Complaint narrative:
2017 and previous. The private lenders are insisting that the buyer uses their title company in order to close the file. This is not the first time this has happened. Is there not a ruling against this.
They then say if they do not close with the certain title company the buyer can not get the loan ( sometimes )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
I received a letter from Fed Loan Servicing stating that they approved my employment certification for the PSLF program, however, the dates are only for 1 year. I have worked at the same XXXX XXXX XXXX organization for 4 years. I have received notification from Fed Loan and the prior servicer in prior years that my employment was certified and accepted since XXXX XXXX, 2013, which is my employment start date. I am attaching the letter. I also received another letter that incorrectly states that my qualifying payments towards PSLF are only for 1 year, despite my 4 years worth of payments. Additionally, when I log into my account, there is nothing on Fed Loan 's website that states I have certified under PSLF and anything record of my qualifying payments. My concern is that I have no proof that I have been certified under the PSLF program for the 4 years I have been working. It is extremely concerning that Fed Loan is failing to provide proof of borrower 's qualifying payments and employment certification because borrowers will need proof of this at the end of their 10 years of working in the public sector and making qualifying payments. I called Fed Loan and expressed my concern. The representative affirmed that her records show my employment certification approval since XXXX XXXX, 2013 in her system. She informed me that Fed Loan issues these letters for the 1 year period for when you send in your employment certification form and that it does not reflect the entire length of time a borrower has been certified for. I explained my concern that I have nothing in writing that states I have 4 years of certification. She agreed to send me a letter stating this. I believe that a borrower should be able to view their employment certification and number of qualifying payments under PSLF when they log into their account online. The lack of disclosure and account information is very concerning for our future loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
I noticed in XX/XX/XXXX that Trident Asset Management added an account for XXXX to my credit report. I contacted XXXX and they stated that the account was sold to Trident Asset Management. The charges were for un-returned XXXX XXXX equipment. I moved from XXXX County Maryland to XXXX County Maryland in XX/XX/XXXX. My XXXX XXXX equipment was returned to XXXX via XXXX in XX/XX/XXXX. XXXX states they can no longer view my account in their system and can not assist with the tracking of my returned equipment. I have disputed this account several times with the 3 credit bureaus to no avail. Trident Asset Management continues to verify the debt is valid. To this date, I have never received a bill for equipment from XXXX or Trident Asset Management. I have pleaded with both organizations to assist me in tracking and both continue to ignore me. My credit score has been damaged severely due to Trident 's re-aging of the account and unwillingness to address and obvious error on XXXX 's behalf. Trident has chosen to update my credit report to reflect that the " open date '' is XX/XX/XXXX. I have a previous credit report that clearly states the account charges originated in XX/XX/XXXX. Please help ... I just want justice for a debt i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: NM

Complaint narrative:
Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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:
THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY EQUIFAX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I noticed several collections on my credit from Trans World System. They took one emergency room visit and broke it down in twenty different segments and put each one on my credit. in the amounts of {$10.00}. {$5.00} and so on.
They never sent me a notice or anything they just put these errors on my credit.
I am a veteran and have insurance and am on XXXX and my insurance paid my medical bills.
This company really caused me a lot of harm..
I sent for validation of the debts and they are just ignoring me. this has been going on for six months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I 've been calling every few months to get a timetable of when the cutoff is before I get charged all the back due interest on my BARCLAYS XXXX  CREDIT CARD. They push you to go paperless and auto pay so you do n't see your bill, and then they do n't inform you that you 're about to be charged all the back due interest. I missed the day by 4 days from just randomly calling them and they charged me almost 300 in back due interest. It 's a scam to do everything to get people to not look at their bill and then not inform them that the interest date is coming up.

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 monetary relief