vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
XXXX XXXX/PHEAA has not properly counted my qualifying payments toward Public Service Loan Forgiveness.  Around XX/XX/XXXX, my direct student loans were transferred from XXXX to PHEAA. Thus far, I have submitted two Employment Certification Forms to PHEAA, and PHEAA confirmed that both periods of employment were with qualifying employers. The first period -- XX/XX/XXXX, through XX/XX/XXXX -- was with the United States District Court for the XXXX District of Pennsylvania. The letter from PHEAA confirming this first period was dated XX/XX/XXXX, and assured me that PHEAA would  calculate and provide me with notification of the total number of qualifying payments I made during this period, along with other information. The second period -- XX/XX/XXXX, through XX/XX/XXXX -- was with the United States Court of Appeals for the Third Circuit. The letter confirming this second period of employment was dated XX/XX/XXXX, and assured me that PHEAA would notify me of the number of qualifying payments " [ i ] n the next few weeks. '' I have not yet received any written communication from PHEAA regarding my number of qualifying payments. 

On XX/XX/XXXX, I contacted PHEAA regarding PHEAA 's error in calculating my monthly payment amount, an issue I am currently trying to resolve with PHEAA. In that conversation, I asked about the number of qualifying payments related to my periods of employment with the courts listed above. I spoke with XXXX ( employee ID no. XXXX ) and with XXXX ( employee ID no. XXXX ). XXXX informed me that PHEAA determined I have only five qualifying payments during the two employment periods described above. I told him I had not received anything in writing with this information, and he said he would request that PHEAA send me a letter ; he said that he would request that the letter be expedited but told me it could take 30-45 days to receive the letter. I still have received no written communication from PHEAA regarding my qualifying payments, but NSLDS reflects that PHEAA has determined I have only five qualifying payments for PSLF. 

I have reviewed my own records during the two employment periods described above. During those periods, I made a total of 32 payments toward the loans at issue. All of those payments were on a standard repayment plan ( 19 payments ), a qualifying repayment plan ( 5 payments ), or were made under a different payment plan and were of an amount larger than the payment would have been on a qualifying repayment plan ( 8 payments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: TX

Complaint narrative:
I have sent several letters to the credit bureau about the bankruptcy information reporting on my credit report file. I have been sending letters since XX/XX/2017 in regards to this matter. The credit bureau still is reporting the information as verified when I have asked them several times to provide me documation on how the information has been verified and they have yet to obliged. 

The United States Bankruptcy Court stated to me in a letter from the clerk of court that they do NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm any public records. The reason why they do NOT validate public records information is because it goes against the privacy laws. 

I have sent several copies to the credit bureau from the United States bankruptcy court, the XXXX XXXX XXXX, and XXXX XXXX to show proof this item does not belong on my credit file.

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 2018-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: MO

Complaint narrative:
A fraudulent medical debt has been placed on my credit report by a company named Capio partners the original debtor is XXXX XXXX XXXX XXXX. THIS FRAUD DEBT was placed on XX/XX/XXXX with out me being notified of this debt also my credit score has took a few tremendous hit I want 100 points added back to my credit immediately and to be compensated for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Someone wired me money to get back and forth to work on this day i thought my funds would be available in 24 hours now i wont be able to make it to work i have no cash all my money is on the card this is the reason i dont deal with banks I'll rather have cash its always a issue with these banks people work i cant even go into the bank because they dont open on weekends this is some straight XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: FL

Complaint narrative:
I have sent - faxed and mailed a copy of my DL, proof of address numerous times and Equifax has not updated my address or employer. It has been over 30 days. In addition, I faxed, mailed a copy of my bankruptcy discharge paperwork and they refuse to report the bk on my credit report. This has been the worst company to deal with. I just received an email that my dispute results are complete, using the 10 digit confirmation # it is all of a sudden saying my information does not match their records and will not allow me to view my results. This is a failed attempt on their part to meet the 30 day requirement but not update the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo at the XXXX XXXX in XXXX sc opened a bogus account. XXXX XXXX was the banker. When the credit card and statement arrived there was no balance associated with it. We called to complaint to the manager and he denied this practice this was late XX/XX/XXXX-XX/XX/XXXX they took advantage of a XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 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: CORELOGIC INC
State: SC

Complaint narrative:
I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/XXXX that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies and to CORELOGIC CREDIT REPORT On Monday XX/XX/XXXX a certified letter was mailed out to XXXX and the first complaint was sent in on Saturday XX/XX/XXXX. As of Sunday XX/XX/XXXX I have yet to hear anything from XXXX. On Saturday, XX/XX/XXXX another certified letter was sent out to CoreLogic. And also followed by this new report here..

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 2018-04-22 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: SC

Complaint narrative:
I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/XXXX that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies and to XXXX  CREDIT REPORT On Monday XX/XX/XXXX a certified letter was mailed out to XXXX and the first complaint was sent in on Saturday XX/XX/XXXX. As of Sunday XX/XX/XXXX I have yet to hear anything from XXXX. On Saturday, XX/XX/XXXX another certified letter was sent out to XXXX. And also followed by this new report here..

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 2018-04-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently filed a complaint about equifax having unauthorised hard inquires on my report. I also mentioned that they will not let me access my account. I cant even get past name, address, SS #, birthday as they keep saying my answers dont match there records. This is rediculouse.I know my own info. I even included there file number XXXX. They are rudely mistaken. They e-mailed me saying I could check there answer to the investigation. However they wont acknowledge I am me. So what option do I have but to ask for seriouse help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent several letters to the credit bureau about the bankruptcy information reporting on my credit report file. I have been sending letters since XX/XX/2017 in regards to this matter. The credit bureau still is reporting the information as verified when I have asked them several times to provide me documation on how the information has been verified and they have yet to obliged. 

The United States Bankruptcy Court stated to me in a letter from the clerk of court that they do NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm any public records. The reason why they do NOT validate public records information is because it goes against the privacy laws.

I have sent several copies to the credit bureau from the United States bankruptcy court, the XXXX XXXX, and XXXX XXXX to show proof this item does not belong on my credit file.

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 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom Mortgage had just began servicing my loan in XX/XX/2017, which I have had for several years. Within 1 month of having my loan, they stated I had an " Escrow Shortage ''. I was going to be short several thousand dollars, and my payment was going up {$140.00} per month. Again, I have had this loan for several years, and currently have 4 other mortgages on investment properties. So I checked with my insurance company and the county tax office about significant increases. I then called Freedom Mortgage multiple times of the next months, to try to get it figured out, and I got absolutely nowhere with approximately 10-15 phone calls. I have recently filed a complaint with the NC Banking Commission, to which Freedom Mortgage 's response was they paid a non-existent Insurance policy, meaning they ( Freedom Mortgage ) paid XXXX XXXX insurance, money out of my escrow account for an insurance policy that I had absolutely nothing to do with. I have never had XXXX XXXX as an insurance provider. They have not received a refund for this payment, therefore my Escrow Account is in shortage.

So, after months and months of no response from Freedom Mortgage, my payment is still {$140.00} more than it should be, due to them paying another insurance policy and not receiving the refund.

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 2018-04-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
I mention how I wouldn't be able to pay the full balance offered because of an add on/default charge of 600 to 700 dollars and how I would rather " eat '' then starve ( from lack of financial resources ) and pay for the bill. She said " it doesn't matter, do you want the legal authorities to seize your assets? Are you ready to make a payment or not? I will put a refusal to pay on your account. '' Very unprofessional Tuesday, XX/XX/XXXX. XXXX.

" We don't have time for games. We see your call record. If you're not willing to pay today I will put a refusal to pay on your account. Very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: GA

Complaint narrative:
I have disputed A Charge on my credit Report with Transunion over a dozen times! I have a fraud warning on my report which I dont understand why thy removed it without my consent. I last disputed with transunion on XX/XX/XXXX regarding the charge with XXXX XXXX for the amount of {$2900.00} I have submitted manually and electronically through various services such as XXXX XXXX, Also directly with transunion over the phone regarding the disputed information! transunion has failed to supply me with factual accuracy information from this company who has reported against me! I told them that I need proof that the company has a signed contract and identification proving that I am whom they are litigating! I have given transunion over 4 months to properly support this information or remove it and neither is done transunion sent me a report on XX/XX/XXXX with open account information! not a disputed decision And I am demanding that any And all information reported be sent to me on this company behalf!

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 2018-04-22 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:
Ive recently contacted Equifax about the inaccurate reporting they have showing on my credit file asking them to remove these inaccurate alleged accounts they claim are mine. Equifax hasnt complied with the Fair Credit Reporting Act, they have not removed these inaccurate and unproven alleged accounts. I want to make the CFPB aware of Equifax willful non compliance in case I have to move forward with a civil suit against Equifax. 

To Equifax please delete these inaccurate accounts immediately. 

The alleged accounts are XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Before I graduated in XX/XX/XXXX, I was unable to make any student loan payments. During that time, Navient began capitalizing my interest ; so now my ~ {$40000.00} student loan is {$87000.00} ( it was more, but I've paid some of it down ). When I make payments, the majority of my payments go mostly, if not all, to interest ; so my principal hardly ever goes down. While I was a graduate student, Navient called me incessantly on the phone for me to make payments. I constantly told them I had no income other than a graduate teaching stipend ; they offered to reduce my interest rate to 1 %, which allowed me to make minimum payments. In XX/XX/XXXX, Navient increased my interest rates to between 11 % on some private loans to 14 % on another. Over the last 24 months, I made 37 payments ( 13 more than required ) totaling {$12000.00} ; 15 of those payments of {$6400.00} went solely to interest ; none of the 15 payments reduced my principal. Of my last 15 consecutive payments of {$7600.00}, {$200.00} went to principal while {$7400.00} went to interest. Of those last 15 payments, 9 of the payments of {$5000.00} were applied to interest only ... none of it went to principal. My payment history for the last 24 months, showing 37 payments, is included in this complaint. I called Navient two weeks ago to negotiate a lower interest rate ; I also asked them if I could get these loans refinanced by another company would they reduce the capitalized interest to what it really should be ; the customer service representative told me they only do that if I am in default ; they will not negotiate any lower interest rates or reduced interest costs if I am current on my loan. My loan principal is barely receiving any of the funding I am sending. My monthly minimum loan payment to Navient is {$870.00}. However, many times my minimum loan payment is applied to interest only, so loans I took out when I was XXXX will not be paid off until I am XXXX even though I am sending every paycheck to my student loan providers. According to Navient, my only option is to stop making payments with them to force them to negotiate a better rate, which sounds ridiculous. I am being gouged. How can the CFPB help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: PR

Complaint narrative:
Since XX/XX/XXXX, I've been trying to remove 3 fraudulent accounts from my credit report. To this day, the information keeps popping up in my credit report. Most recently, yesterday, XX/XX/XXXX. My credit report has a active fraud alert and credit lock. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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:
Ive recently contacted XXXX about the inaccurate reporting they have showing on my credit file asking them to remove these inaccurate alleged accounts they claim are mine. XXXX  hasnt complied with the Fair Credit Reporting Act, they have not removed these inaccurate and unproven alleged accounts. I want to make the CFPB aware of XXXX willful non compliance in case I have to move forward with a civil suit against XXXX. 

To XXXX  please delete these inaccurate accounts immediately. 

The alleged accounts are XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.

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 2018-04-22 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: VA

Complaint narrative:
There are about 40 inquires from car loan companies from XX/XX/2017. I have tried to cal and write to all three credit bureaus and provide proof that I did not authorize all this inquires and they refuse to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: ProCollect, Inc.
State: GA

Complaint narrative:
I have disputed A Charge on my credit Report with XXXX over a dozen times! I have a fraud warning on my report which I dont understand why thy removed it without my consent. I last disputed with XXXX  on XX/XX/2018 regarding the charge with PRO COLLECT for the amount of {$2900.00} I have submitted manually and electronically through various services such as XXXX XXXX, Also directly with XXXX over the phone regarding the disputed information! XXXX  has failed to supply me with factual accuracy information from this company who has reported against me! I told them that I need proof that the company has a signed contract and identification proving that I am whom they are litigating! I have given XXXX over 4 months to properly support this information or remove it and neither is done XXXX sent me a report on XX/XX/XXXX with open account information! not a disputed decision And I am demanding that any And all information reported be sent to me on this company behalf!

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