vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern : I am a chase mortgage customer and current customer with the bank for my savings account and credit cards. On XX/XX/XXXX I called in to make my mortgage payment and spoke with a lady on the phone that asked for all my account information in order to process. She took the info and processed the request. My mortgage lender then pulled a credit supplement and that proved that my mortgage payment was paid on XX/XX/XXXX and we moved on in processing. Later it was found out that they had rejected my payment as they said they took the incorrect account number information. They said they called multiple times to reach me, but they never had left a voice mail and I have been getting multiple solicitations from car insurance companies so I was not picking up any calls that I wasn't aware of the numbers. When I found out that the funds were never taken out of my account I called in to figure out what was going on. They explained the situation and I made the payment again. Now they are reporting a 30 day late on my credit and this has killed my refinance. I attempted to make the payment on time. I got no written correspondence of the issue. I received no voice mail of the payment issue. My asset accounts are all with Chase currently. They mentioned that the call was recorded and they pulled the call, but I want to hear the call as well as I know I just gave the lady the information that she requested. They are claiming that the last 3 check numbers were on the account number, but the lady had asked for the entire number. please help as if the covid pandemic wasnt enough now I am being held up on a refinance that can definitely help my situation. Please help in removing this late on my credit, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, Im contacting you all because there has been an issue or there is an issue involving mine and my twin  sisters credit report. I have not been able to see my credit score or report due to wrong information containing both our social security numbers I believe. A couple of days ago I tried to apply for a credit card since I thought that I did not have a score at all, but when I clicked on submit it directly notified my sister about a new inquiry. I think that when I provide my personal information and try to apply for something it notifies her because the system thinks my information is really her information, but it shouldnt be. Her score can be seen and checked but mine cant so that is why I came on here to contact you all about it to see if you can help. My twin sister checks her credit score with XXXX XXXX and I tried doing so but again nothing shows up. I hope this issue can be solved. Thank you.

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 2021-01-04 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: Millco Management
State: NC

Complaint narrative:
I have been trying to get verification of these debts since XX/XX/2020 with no success. I sent each company letters and disputed with the credit bureau for unverified accounts, but each time the information was returned as being verified. I sent two letters to XXXX and one to XXXX XXXX. The first point sent a letter back saying they had nothing on file for me, but wanted me to send in paperwork with my name, SSN, Date of Birth, and have it notarized by a notary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have attempted to get my Equifax credit report disclosure by contacting them directly on XX/XX/2021, I was not successful. My internet ( online ) service is spotty to obtain the free annual weekly report online. I have lived at the same address for over 8 years, have not placed any fraud alerts on the report. Further, I have been successful each year having a credit report disclosure sent to me. 

Having an automated recording telling people to send a letter with identity documents is not very smart during Covid, especially, when a lot of people have immune compromised health systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reports the correct loan balance to CFBP, and to consumer, but inaccurately reports the balance to credit reporting agencies. XXXX XXXX in its documentation to CFBP accurately reported a mortgage balance of XXXX ( see page 2 of their response to my last complaint ) but reports a balance of {$86000.00} ( see attached screenshot ) to the credit reporting agencies for the month of XXXX. When I presented this to them they refused to correct it with credit reporting agency in their letter.

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 2021-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I changed banks in XXXX and changed my auto pay accounts with navient for all my loans federal and private to my new bank account. I have dealt with all levels from managers down since XX/XX/XXXX trying to ensure my auto pay is correctly set up and billing appropriately. Since XX/XX/XXXX, myself and parents have been receiving phone calls saying my payments are late when navient has not dispersed the funds properly across all loans and drawn a line in the sand between federal and private loanz. I have spoken to managers from both branches of navient repeatedly and been assured that the problem was on their end and has been resolved. I received a call again today claiming my loans are late. The past 2 calls, since they call during the day when I'm at work, I have asked to have a manager level call me that can handle both federal and private to resolve this situation. I still have not received this call. I am baffled at the inability of a lender of this size to continuously fumble a simple auto pay transaction, and routinely harass a borrower that has continuously tried to amend the situation by assisting every time I am called. I am not comfortable providing these callers with my banking information any longer as they are clearly not qualified to use the information in an appropriate manner. As a customer of navient, am I expected to be ok with continued harassment and possible bad credit reporting when all I have been trying to do is pay my loans and set up my accounts to be auto debited so I have no worries? My last discussion with a manager from the federal side on XX/XX/XXXX resulted in navient admitting again that the problem was on their end entirely but I should place my loans in deferment and just deal with the fees and compounded interest. How can a company operate this way?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04 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: NY

Complaint narrative:
After reviewing my credit report I noticed that an account that was removed is still being shown on the XXXX  and Equifax credit companies. It was removed from XXXX  as well but somehow it is showing up on the other 2 companies. I have included documentation to prove that this account was removed so it should be consistent across all 3 credit bureaus. I don't understand how it can be removed and magically come back and hurt my score again. Please remove this account from my credit report and have it consistently report across all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: NY

Complaint narrative:
After reviewing my credit report I noticed that an account that was removed is still being shown on the XXXX  and XXXX credit companies. It was removed from Experian as well but somehow it is showing up on the other 2 companies. I have included documentation to prove that this account was removed so it should be consistent across all 3 credit bureaus. I don't understand how it can be removed and magically come back and hurt my score again. Please remove this account from my credit report and have it consistently report across all 3 bureaus.

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 2021-01-04 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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
Investigation took more than 30 days and haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
Every two weeks since XX/XX/2020 I have received a text message from RP Funding asking me to call or text their office to learn more about their mortgage products. I requested that they stop texting me on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, and also told them that I would report any additional unwanted texts to the FTC on XX/XX/2020. However, RP Funding will not stop contacting me regarding a mortgage application. 

For what it's worth, I purchased a house in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Account Recovery Specialists, Inc.
State: OK

Complaint narrative:
I got an interesting letter from the law office of XXXX XXXX XXXX. She has notified me that I'm in default of debt in the amount of {$5900.00} for a company called XXXX XXXX XXXX XXXX. She states that they are processor scheduling a hearing in district court against me and wants me to call her to answer questions about this debt. 

Here 's the problem : 1 ) XXXX XXXX XXXX is a lawyer for ARSI, not just a stand alone law firm, which she didn't disclose. She is the legal department director for ARSI, which did send me a letter about this debt over two years ago. I requested validation of debt from ARSI, but the collection company never send me paperwork showing what this debt was for or the date that this debt supposedly happen. 

2 ) I live in Oklahoma and have lived in Oklahoma for over 5 years. I check Oklahoma 's case search, and XXXX XXXX has filed nothing. So if she did attempt to sue me, she did in a state that I didn't live in. Hence, I was never served, in that state of Kansas, and in the county of XXXX, the XXXX serves the debt, not a process server. 

3 ) This debt is in my maiden name. I have been married for over 6 years, so this debt is not in the realm of the statute of limitations for this law firm to even try to sue me. I guess that is why I never got the validation paperwork. 

4 ) XXXX XXXX XXXX is permanently closed. I don't know when it closed, but on XXXX  and yelp, it shows permanently closed. I try to contact the numbers that were associated with this company, but they are disconnected. So how is it that I owe money to this company that doesn't exist anymore? 

XXXX ) I have no idea when this debt happened, but I had health insurance for over 8 years, so there is no way I could have ever had a bill for that amount. 

Lastly, Which is the most important. This is the first time I have ever hear from XXXX XXXX XXXX 's XXXX XXXX. I have never received a XXXX 'S letter letting me know my rights. So how is it that she could skip that part of the collection process and go directly to suing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My stimulus check has not been deposited, the banks number line is disconnecting after a promised 8 min hold. Very unprofessional and the bank has no answers for its clients if funds are pending or not. There was no problem what so ever last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: IL

Complaint narrative:
Hi. I am in the process of applying for Public Service Loan Forgiveness of my federal student loans. They are currently serviced through Fedloans. I have made 122 payments and so should qualify for forgiveness under TEPSLF ( I do not qualify for PSLF as I was in the wrong payment program for several years due to bad information from the loan servicers ). I am having an issue with Fedloans where they are showing numerous payments I made as ineligible for TEPSLF due to " No Bill. '' In addition, numerous payments are marked " pending manual review '' and have said that for several months, with no movement. All in all, the counter on the FedLoans website is showing that I have 64 eligible and 58 ineligible payments for TEPSLF. All of the " ineligible '' payments are from before XXXX when my loans were being serviced by other servicers ( Direct Loans, XXXX, XXXX XXXX, and XXXX XXXX, and they all say " No Bill '' or " Pending Manual review. '' I have paid my student loan payment every single month since it first came due in XX/XX/XXXX. I have talked to customer service at FedLoans and they tell me it can take a YEAR for the manual review to occur! As I am eligible for forgiveness right now, I should not have to wait a year due to accounting errors or lack of information in FedLoans own records. Is there any way you could help me resolve this issue?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2021-01-04 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 — Investigation took more than 30 days
Company: The Phoenix Recovery Group
State: CA

Complaint narrative:
I obtained a copy of a report that indicated I had an outstanding debt to an apartment complex ( creditor ) for approximately {$4100.00}. The " debt '' was purchased by Phoenix Recovery Group XXXX XXXX XXXX, TX XXXX. This is not my debt. Please note that I was a victim of both XXXX! and XXXX  data breeches ( confirmed ). Also I have had a vehicle broken into and personal documents stolen. 

When I contacted the collection agency ( Phoenix Recovery Group ), I informed them that the account was not mine and requested all documents related to the debt including proof of assignment. Phoenix Recovery 's response was for me to provide government ID establishing " who '' I was and utility bills, check stubs, etc., establishing my address. That information was provided. The document that was received was a single sheet copy of a rental agreement bearing ( a variation of ) my name and nothing more.

I have attempted to reach out to them several times but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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 — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Investigation took more than 30 days and haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Investigation took more than 30 days and haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation
State: PA

Complaint narrative:
I have written this company a dispute as I have no idea why they are on my credit, and I have never heard from them at all! Either I must have the wrong address or there is something completely wrong with this account! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2021-01-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-04 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: TX

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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