vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 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 have been disputing this account ever since I seen it on my credit report.I asked for my report from creditor be sent to me.I have no knowledge of this account and It clearly states on 1 of the letters sent to me there is an error in the address. I have sent the proof several times to the 3 credit Bureau 's only to find this account still being placed on myself.I have been working so hard to repair and clear up my credit so I can try to buy a home for myself and my kids.This lingering account which has incorrect information is not mine.I dont know what else I have to do to fight this proof was sent to 3 credit Bureau and they look over the proof sent.

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 2020-01-13 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: CO

Complaint narrative:
I have been paying on these 2 private loans for nearly 30 years, paying somewhere between XXXX and XXXX on a loan that was originally XXXX. First it was Sallie Mae and now it's Navient. My balance is higher now then it was when I took the loan out. All of my other loans are in income-based repayment. Because I consolidated these loans early on, I couldn't include them. Also it's saying they're from graduate school, that is incorrect. I originally had them with Sallie Mae and when Navient took over something must have changed. 
I spoke with them about options for paying it off and why it wasn't affecting my principal and all they wanted to do was lower my payment, extend my loan, or put it in forbearance. I had a short term in forbearance and I was in XXXX XXXX for 4 years, those are the only times I haven't been paying on them in about 30 years. They said they don't negotiate, were very rude on the phone and unconcerned about my situation. I feel like I'll be paying forever because I don't have the money to pay it off now. I am inclined to stop paying entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: FL

Complaint narrative:
Experian reported on XX/XX/XXXX that my credit score, usually around 830 was negatively impacted by an unpaid XXXX account in the amount of {$770.00}. 
I live in Florida and I do not have a XXXX account. My son, XXXX did have a XXXX account ( now fully paid up and having a XXXX   balance ). Experian/XXXX  combined the account using my name too since my son and I share the same last name. 
I attach the last XXXX bill, showing that the account in question was always in my son 's name, and never in mine ( see below ). 
Experian did a shoddy investigation and refuses to acknowledge that I do not have a XXXX account and therefore can not be responsible for any adverse payment history. I was never contacted by a human being, nor asked to submit any additional information prior to the resultant incomplete credit score report of XX/XX/XXXX As my credit score was negatively impacted by false and improper reporting by Experian I need this false result removed and restoration of my excellent credit history.

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 2020-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX  AND TRANSUNION STATED THAT THE WAS INVESTIGATING THE BANKRUPTCY THAT THEY ARE REPORTIING HOWEVER THAT IS NOT TRE. 
THEY ALSO STATED THAT THEY VERIFIED IT WITH THE COURTS WHICH IS NOT TRUE. 
THEY ALSO STATED THAT THE VERIFIED IT WITH XXXX XXXX AND XXXX, WHICH IS NOT TRUE. I HAVE CONTACTED ALL PARTIES LISTED. 
MY INFORMATION IS NOT WITH ANY OF THOSE COMPANIES. I WANT THE BANKRUTCY DELETED FROM MY CREDIT REPORT IMMEDIATLEY. 
THIS HAVE BEING GOING ON FOR MONTHS AND XXXX  AND TRANSUNION HAVE NOT DID ANYTHING BUT USE STALL TACTICS. I NOTIFIED XXXX  WITH THE FINDINGS AND THEY REMOVED IT FROM MY CREDIT REPORT IMMEDIATLEY.

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 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
We started to have troubles with our mortgage payments in XXXX. We contacted the servicer and they said our loan was not allowed to do a modification so I asked who owned our note so that I could talk to them they said that I would have to talk to XXXX XXXX  in which I called the VP and he told me they did not own our note and he sent me back to the servicer. The two companies kept sending me back and forth. So we finally just sued everyone to see who owned our note and then miraculously XXXX XXXX  said they owned our note and their attorney emailed it to our attorney and we noticed that it didn't look right. So we emailed it to a forensic to have it inspected and she said it had definitely been altered. The judge wouldn't let us do anything with the note. So we kept fighting with XXXX XXXX, and in XX/XX/XXXX we had a gentleman do research on the insurance policy that XXXX XXXX  had taken out on our mortgage. The mortgage was combined into a trust which and the insurance policy was on the trust. And in this report it showed as of XX/XX/XXXX that the bank had already been paid in full for the principle and interest by the insurance company when we went into default on our mortgage and because of the type of policy being a Class A-2 they did not have to pay back the insurance company after they foreclosed. We informed XXXX XXXX  attorney of the matter on XX/XX/XXXX and he said that they had never been paid out by a third party for the mortgage without him even having time to get with the mortgage company about this matter to find out to make sure. XXXX proceeded to foreclose on the property on XX/XX/XXXX. To our understanding with people that we have talked to that XXXX XXXX  collecting from the insurance company and then still foreclosing on the property that this is double dipping and is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2019 - {$72.00} - NSF OD Fee XX/XX/2019 - {$210.00} - NSF OD Fee XX/XX/2019 - {$180.00} - NSF OD Fee XX/XX/2019 - {$210.00} - NSF OD Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Returned Item Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Returned Item Fee I was charged a total of {$1000.00} in bank fees for unauthorized charges ; Regions moving funds from this account to another account when it would overdraw the account and applying bank fees for pending transactions that were never posted to the account.

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
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Through my wife and my joint account with Chase bank, we are being hit relentlessly with insufficient fund fees, which has caused mortgage payments to be missed and further late fees associated with paying our mortgage. We get charged by our mortgage company every day our mortgage is paid late. I paid a mortgage payment today and had to pay an extra {$100.00} for late fees with them. It is becoming increasingly hard to catch up as Chase continues to take {$34.00} insufficient fees out of our account, leaving us constantly overdrawn. 

In the first 10 days of XXXX already, Chase has taken out {$340.00} in insufficient fees ( see attached download from Chase bank joint checking account ) In XXXX, insufficient fees were {$2100.00} and in XXXX, {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My name is XXXX XXXX I was told by XXXX XXXX XXXX  that Sallie Mae had a law suit against them for lying and not giving information out the lenders. I was told by Sallie Mae to do deferments instead of a ( IBR ) Income base repayment plan. I only found out about the IBR program 7 years ago and I am now XXXX XXXX XXXX and a XXXX Veteran. I had to find out about IBR on my own with NO help from any of my student loan companies, and I have had my loans since XXXX  to present. I was told by a nice guy at XXXX XXXX XXXX XXXX  that Sallie Mae LIED about a lot of things. I am looking to get student loan forgiveness, Since I have only been on the IBR programs for 7 years and I you need 20 to 25 years to get forgiveness. I will be dead by that time comes around. So I am looking for help to file against Sallie Mae. 
Sincerely XXXX XXXX XXXX XXXX Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CA

Complaint narrative:
I discovered several accounts reflecting badly on my credit report on XX/XX/2020 when I was denied from refinancing my car due to these accounts in negative standing. None of those accounts belong to me and I did not allow anyone to open those accounts with my information. I did not benefit anything from these accounts and I did not make any payments towards any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
In approximately XX/XX/XXXX, I consolidated my Stafford Loans with Fedloan. I have been paying my loan repayments on auto pay with my bank account ever since. I never missed or was late on one payment. I set up my auto pay to pay {$110.00} per two weeks to the sum of the minimum due ( {$220.00} ) per  month. I never received any notification of any changes to my account. In XXXX of XXXX, I reviewed my payment history and the amounts of money being disbursed by Fedloan to the Principal and Interest. To my disbelief, I noted that several months the full payment went to interest only and {$0.00} to principal. I called Fedloan to inquire as to why my principal was not going down even after paying ahead on some months and never less than the minimum required. I was told my minimum payment went up ( $ XXXX ) which I was never made aware of, nor believe is possible or legal. I added to my auto pay to make my biweekly payments {$150.00} per two weeks a total of {$300.00} per month or greater where twice a year there are moths with 5 weeks and 3 pay days. I even sent in an extra {$300.00} in XXXX of XXXX to make sure I was ahead on payments. 

On XX/XX/XXXX, I called Fedloan again as I found more transactions where {$0.00} of my payments were applied to my principal. I spoke to over 4 different people who treated me very poorly and as though I was ignorant and bothering them. Finally, I spoke to XXXX ( XXXX ). XXXX reviewed my transactions with me while I was on the phone. I used the XXXX spreadsheet to give XXXX the exact dates of my {$0.00} applied to principal. Finally, XXXX understood my concern and told me, this will go to Service Recovery Department and It is notated in the review status my concerns. I was told by XXXX that I would be contacted within a week. Here it is nearly 1 month later, and I still have no answer as to why I make the full payment and even more than the minimum payment and yet {$0.00} goes to interest. 

I will attach the spread sheet which I downloaded directly from Fedloan. Additionally, here are the dates of my questioning : ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX ). It should also be noted that many months greater than 90 % of my payment went to interest while the remaining 10 % went to principal. There were almost 60 months were less than {$12.00} went to principal per payment made. 

Again, my question which still has not been answered is as follows : how can I make the minimum or greater payments per month, be ahead on payments, and still have several months worth of payment which {$0.00} was applied to principal? I would be grateful if this can be answered and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I'm trying to buy house, but i can not, because of my credit. 
i paid my accounts.

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 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I have been contacted by a debt collector, Resurgent Capital Services ( RCS ) numerous times. Each time I have ask for a copy of the original contract that they are claiming that I signed. They have refused to do this, and have sent me, twice, info that says an account was opened in my name and using my SS #. I disputed this through XXXX XXXX, and RCS sent them the same info that they sent me, and I was told by the Credit Reporting agency that I owed the debt. This has not, or ever was, listed as being disputed. The amount is for {$1800.00}. Because RCS has not sent me valid proof that this debt is mine, it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CA

Complaint narrative:
I discovered several accounts reflecting badly on my credit report on XX/XX/2020 when I was denied from refinancing my car due to these accounts in negative standing. None of those accounts belong to me and I did not allow anyone to open those accounts with my information. I did not benefit anything from these accounts and I did not make any payments towards any of these accounts.

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 2020-01-13 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: CA

Complaint narrative:
I discovered several accounts reflecting badly on my credit report on XX/XX/2020 when I was denied from refinancing my car due to these accounts in negative standing. None of those accounts belong to me and I did not allow anyone to open those accounts with my information. I did not benefit anything from these accounts and I did not make any payments towards any of these accounts.

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 2020-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions Bank is holding funds that I placed in my savings account as collateral for a personal loan that was issued to me by Regions in an account that was not authorized by me. I did not agree to have these funds in my savings account held. This was not explained or approved by me. I did not sign any document during the loan process or the loan signing that gave approval for regions to hold my funds placed in my savings account in a undisclosed account and would not allow them to be available to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-13 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: ACS Education Services
State: TX

Complaint narrative:
Have been trying to contact Conduet/ ACS for the past several months and there are no valid numbers. I also referred to some old correspondences from ACS but none of the numbers are working. I am trying to get some information regarding a loan listed on credit report. My login information is not valid and nothing is working to help me get the information I am seeking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: Financial Credit Network Inc
State: CA

Complaint narrative:
Financial Credit Network. I am exercising my right under the Fair Credit Reporting Act pertaining to the Accuracy and Completeness of information provided to any credit reporting agency. 
I am also exercising my rights under the Fair Debt Collection Practices Act Section 807 which pertains to False and or Misleading Representation of information being reported to the credit agencies. 
On XX/XX/XXXX I went online to the Financial Credit Network website and made a payment in full on account number XXXXXXX. The original amount owed was {$250.00} dollars, but after the company 's additional fees the total amount that I paid online ( evidenced by the receipt ) was {$370.00}. 
I updated my credit report XX/XX/XXXX only to see that Financial Credit Network is still inaccurately reporting this {$250.00} account as an unpaid collection. 
Now I am requesting that Financial Credit Network update their records and update the information with XXXX, XXXX XXXX and XXXX. 
I have already sent Financial Credit Network a certified letter with a copy of the receipt for payment in full on their Company Letter Head from there website and have yet to receive a response of any kind. 
Financial Credit Network is very quick to place and keep inaccurate information on hard working consumers accounts. Now they need to demonstrate the same speed in updating and correcting the status of their accounts with the Credit Agencies as well.

It is against state law to report incorrect statuses and balance information to the Credit Agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief