vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My XXXX XXXX XXXX Account was reported as closed on XX/XX/20 with initial remarks as " Closed at consumer 's request '' that have since been removed. This resulted in my utilization decreasing and FICO Scores dropping several points. I never requested my account to be closed and my attached current statement shows that. I contacted the company XX/XX/20 and a representative confirmed account was still open and status would automatically update. As of yesterday XX/XX/20 a full month later, account is still showing on my report as closed even though a new statement was generated on XX/XX/20. I called XXXX XXXX XXXX a second time on yesterday XX/XX/20 and was informed by a representative that I would need to contact the Credit Bureaus myself to update since it was no error on their part.

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 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX from National Credit Adjusters called at XXXX on Tuesday, XXXX XXXX2020. Advised her not to call me this ealier in the morning as it is illegal to call before XXXX. Chantel stated she usually calls at this time of morning. Not true!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: WI

Complaint narrative:
Submitted my annual Employment Certification Form to FedLoan, which services my federal student loans that are currently in the Public Service Loan Forgiveness program. I have done this each year with no problems ( currently on track to have loans forgiven in XX/XX/2023 ) -- after taking 2 weeks to process the very simple form ( 2 pages ) they wrote back saying that either myself or my employer failed to include the Federal Employer Identification Number ( FEIN ) so I went on the FedLoan website to reupload the form but noticed I could see what I had uploaded to them on my " upload history '' under my account on their website. I looked at the form I submitted and it was clear that the FEIN was included on the submission. I contacted customer service and they advised me to wait up to 10 business days while the account is under review. I would just normally wait, but to me this is such an easily fixable error and their response of saying " just wait 10 more business days '' to correct it, is unacceptable and, frankly, given how it is hard to comprehend how they made the error in the first place ( this is not a long or convoluted form we're talking about ) I don't trust them to get it right the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Due to Covid 19 I am out of work.

Specialized Loan Services will let me skip three months of payments but on the fourth month, ALL FOUR months are due.

I do not think they are Federally backed and do not have to follow the new guidelines. 

I think. 

What can be done if they are not Federally backed? Am I just up to their whims? They bought the mortgage and I have no say.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I placed a freeze on my Experian consumer report about two years ago. I have tried multiple times over the last two years to get the freeze removed. The online service is abysmal ; twice I have thought I successfully removed the freeze, and twice I have had companies to whom I had applied for credit inform me that the freeze was still in place. The phone automation service does not facilitate removal of a freeze, and I have tried in vain for hours to reach a real person to speak to at Experian but they appear to have thwarted every avenue for actual contact with a real person.

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 2020-05-12 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:
To Whome It May Consern : This Letter Is regarding account XXXX XXXX Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Someone have stolen my identity. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX. Someone stole my identity and opened up this account. I have never had this account. Transworld Systems and XXXX XXXX are reporting to the major credit bureaus a debt that is not mine. They are reporting to XXXX, XXXX XXXX and XXXX. I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
My husbands payment to XXXX was late in XX/XX/XXXX. We set up a payment arrangement to keep the account current which was 5 consecutive payments that would be the regular payment and the late payment in installments. The arrangement was to be due and paid the 1st of each month. All five were made on time. They reported each month as late. I inquired and the rep told me I should have made the payment a day earlier for it to not be considered and reported as late. I informed them that I was NOT given this option when my husband and I set up the arrangment. They continue to report XXXX XXXX XX/XX/XXXX as late and it is the sole item on my report keeping me from qualifying for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: FL

Complaint narrative:
To Whome It May Consern : This Letter Is regarding account XXXX XXXX  Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2020-05-12 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:
To Whome It May Consern : This Letter Is regarding account XXXX XXXX  Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2020-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I received a phone call in late XXXX or early XXXX from a so called collection company named XXXX and XXXX. They claimed that I owed First Cash $ XXXX and that a process server would be coming to my home. He later went on to stat that if I paid that day that would keep me from getting served. I was told that I could settle for {$590.00}. I was told that I could set up a payment arrangement for {$210.00} a month. The {$210.00} was being taken out of my account every month up until XXXX, but thats when I received a notification on my credit report, from another collection agency ( XXXX XXXX ) stating that they too were collecting for First Cash, in the amount of {$440.00}. So I called the actual First Cash collections department and they were able to verify that exact amount. I was also able to verify the debt collector ( XXXX XXXX ). So I tried reaching out to the other so called collection agency XXXX and XXXX but I didn't really get any response. I tried looking up their website but it all just seemed fake. So I have been being scammed out of {$210.00} a month since XX/XX/2020. I have changed my debit card and account so that they can't continue to take money from it. They use a company called XXXX XXXX XXXX to withdraw the money from my account. As of right now I have paid the full amount to XXXX XXXX for First Cash, so that account is paid and full. At this point I guess all that I can do is ignore XXXX and XXXX if they decide to try and contact me for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
They give me a hard time to increase my credit limit a XXXX reason to decline me saying we have given you {$8000.00} in total for both of your accounts and were unable to give you more they told me when I apllied this is no cap that you can request a credir line increases at anytime but they always turn me down for this reason this is horrible this is discriminatory how can you tell me this it doesnt make sense my credit is good and Im a good customer and cant get more from them because they refuse

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 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Lendmark Financial Services
State: PA

Complaint narrative:
Lendmark took me XXXX district judge XXXX XXXX for XXXX lendmark didn't show up so the decision was in my favor I can't get them off of my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
XXXX submitted a collections agency ( Receivables Performance ) to collect a {$480.00} debt for my son ( XXXX XXXX XXXX XXXX acct no. XXXX ) In my name ( XXXX XXXX XXXX XXXX acct no. XXXX ). When I was able to determine the account numbers, I submitted the account numbers to the collections agency escalations department citing the differentiation, and they refuse to act.

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 2020-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I've been paying a lawyer who I was sued by XXXX XXXX XXXX XXXX XXXX. Original balance was 10,000, I'm now paying the lawyer a balance of 15,000 at monthly installments. I've tried recently to find the paperwork regarding the private student loan not from the lawyer 's but from the trust itself. I need some guidance as to where I can find the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
IN XXXX OF XXXX I NOTICED FRAUDULENT CHARGES ON MY BOA CREDIT CARD. AFTER DOING SOME RESEARCH I FOUND MULTIPLE DATES AND MULTIPLE CHARGES DATING BACK TO XX/XX/XXXX. I HAVE NOTIFIED BOA 4 TIMES TO REPORT THE FRAUD AND EACH TIME THEY HAVE DENIED THE CLAIM BECAUSE THEY SAY THERE IS A PURCHASE HISTORY. I HAVE TRIED TO EXPLAIN THAT BECAUSE THE FRAUD WAS NOT CAUGHT FOR SEVERAL MONTHS THAT IT ONLY APPEARS THAT THERE IS A PURCHASE HISTORY. I HAVE NEVER ORDERED FROM XXXX XXXX XXXX, I HAVE NO INVOICES AND NO DELIVERY CONFIRMATIONS. 
I CAN NOT GET THROUGH TO THIS COMPANY ON LINE OR VIA PHONE. BOA I AM ASSUMING HAS NEVER SPOKEN THEM EITHER. BECAUSE ALL I'VE EVER ASKED IS FOR BOA TO PRODUCE AN INVOICE OR A DELIVERY CONFIRMATION. AS A SIDE NOTE WHEN BOA DOES A WEB SEARCH THEY CONFUSE THERAPY SUPPLY HOUSE ( NOT THE FRAUD COMPANY ) WITH XXXX XXXX XXXX  ( FRAUD )

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was the victim of identity theft on XX/XX/2020. My SSN, physical address, email address, DOB and name were used to create an credit account with XXXX. On XX/XX/2020, I received a notice from my credit monitoring service that my credit was checked by XXXX using Experian Credit Bureau. I have taken corrective action to freeze my credit with both XXXX and XXXX - with no trouble. However, I have been unable to freeze my credit with Experian. I have attempted numerous times to use their website to both dispute the credit check and freeze my account - but I receive error messages that the tasks can not be completed. I have attempted for 2 days to contact Experian via phone to speak with a representative to assert my lawful right to dispute the erroneous credit check and freeze my credit ( I have called the following numbers provided on the Experian website : Dispute Credit Report ItemsXXXX ; Report Requests & Fraud : XXXX ; Existing Customer Support:XXXX  ; Customer Care : XXXX ; Customer Care : XXXX ) however I was connected to automated systems that did not allow me to speak with a live representative, nor allow me to process my requests, and ultimately ended with me being disconnected because the prompts led me to a dead end which stated : " we are unable to process your request by phone ... '' - disconnect. The phone systems instruct me to send via US mail highly sensitive personally identifiable information - which as a victim of identity fraud, I am not willing to do - it is not a secure method. I am requesting that Experian provide a phone number that allows me to speak directly with a live representative in order to process my credit check dispute and process a credit freeze.

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 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX  XXXX {$2000.00}

Company response to consumer: Closed with explanation