vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: FL

Complaint narrative:
I have loans with them going back to 2002. I've been making payments for at least 15 to 20 years, yet it hasn't made a dent in the balance owed. Last time I checked, it said that I still had 240 payments left. I had a total of $ XXXX in loans. At {$300.00} per month for 240 months, that would be another $ XXXX on top of what ever I paid already. Their collection practices are aggressive and they're destroying my credit. I get calls constantly on the phone, emails and letters sent to my house.This is got to stop. My complaint is the same complaint that everyone else is making. I need them to provide a full understanding of my loan and repayment policy to fully understand what I'm paying. A student loan should not be like a mortgage.I don't understand what I'm paying for anymore. I had a small student loan with XXXX. It's paid off and never had issues like this. It was straight forward and easy to understand what my payment was and how it would be paid off. 

I would like them to provide the full amount I paid so far and see how they have been applying it to my principal. If there are errors, then they need to correct it. Also, clean up the mess they did to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Due to Covid-19 & the hardship of my income being depleted unexpectedly, I contacted Kia Finance toextension. 
payments extended. I was told I would have up to 3 months to extend, but would have to call in every month around the same date to do the extension. They approved me for XXXX & XXXX with little hesitation, but when I called in for the XXXX payment extension, they flat out denied my request. I reminded them that they initially told me I could utilize XXXX for disaster relief, but they said they were no longer offering it, & will not honor the XXXX month extension, even though not all businesses are up and running. I explained that I really needed this last extension, because I have budgeted everything I need too take care of for XXXX based on extending their XXXX payment. I will not have enough money this month to pay the car & insurance payment, because I had already extended the insurance to the limit. 
Kia is now acting heartless toward my situation. They don't consider I previously completed a 3 1/2 years lease at the beginning of this year with no problem, always paid on time or before the end of grace period & never missed a payment. I continue to have very good credit & do not want to destroy it by turning in the car over needing the one extra month granted they initially stated, but they are leaving me mo choice.

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 2020-06-15 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 uploaded additional documents also have a Identity report they still refuse to remove information off my credit report I have no knowledge of these accounts and its hurting me to apply for anything.

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 2020-06-15 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: NY

Complaint narrative:
After numerous attempts to validate how the credit bureau ( transunion ) validated the information on my credit report. I asked what was the method of verification and whom did you get in contact with. It seems like an automated response saying they investigated never explaining how or with who. After three responses still no change on my report this was since 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 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MN

Complaint narrative:
So i lost my wallet back in 2012, sadly i had my SS card in it along with my ID. i was currently still under my mothers phone plan so i didn't try to get a phone in my own name but a few years down i tried to go on my own and they said i got denied no telling me at the time nor did i really look into why. So recently i had XXXX XXXX  help me out with my credit and they let me know all these collections on my credit from all these phone companies were in my collections so i let them know about what happen and they said they sent letters to the collection agency that had this collection and they did remove one of the collections on my credit but its a total of 5 accounts through out my 3 credit bureaus that is posted for collections and i feel that all of them should be removed completely because none of them are mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my credit report, I saw an outrageous amount of accounts under my name that name that are not mine. Please delete these items from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: FL

Complaint narrative:
I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX XXXX  XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with XXXX and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.

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 2020-06-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX XXXX  XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with XXXX  and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX and XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with Experian and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.

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 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My husband and I have been trying to obtain payoff information, including payoff amount and how to safely payoff a mortgage of over XXXX in full. I went to the website of the company, Loancare, in late XXXX and filled out their online form requesting a payoff as of XX/XX/XXXX. I received no acknowledgement. Although our intention had been to pay off the loan before the next payment was due, the inaction by Loancare resulted in our having to pay our monthly mortgage, and cost us over XXXX in interest. On XX/XX/2020, I submitted a second request for payoff information. The company responded that they needed a signed request. The online request system did not indicate that this was the case. I tried to call their " help '' line, and on the first day I left my number, but was not called back, so 2 days later, I called again and was put on " everlasting hold ''. On XX/XX/XXXX, I scanned a signed request to the online request system. I received a response indicating that I would have the information within 3 business days. I have yet to hear back. We contacted the company that originally processed our loan, and they provided us with a form that we filled out and signed to be sent to Loancare on XX/XX/XXXX. In the meantime, we have had to pay yet another mortgage payment, including over XXXX in interest. Again, I have yet to have received any acknowledgement from Loancare. Because Loancare appears to be on online company with no brick and mortar presence, we have no place to go to address this issue  face to face.

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 2020-06-15 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
With COVID uncertainty I requested a forebearance with Shellpoint Mortgage just in case I needed it, however, during the forebearance period XXXX to XX/XX/2020, I NEVER paid 30 days late. 

Consequently, I am selling my house and it is closing XX/XX/2020. To buy another home, XXXX XXXX  pulled my credit for a mortgage and I was shocked to find : Shellpoint notating forebearance negatively, despite this being formally cancelled by me. 
Shellpoint reporting {$0.00} payment during the forebearance which is NOT accurate, I have paid each month mortgage XXXX, XXXX and XX/XX/2020. 

As part of the CARES act it is illegal for a lender to negatively report forebearance due to COVID. Shellpoint is both negatively listing forebearance even though I NEVER paid 30 days late AND i cancelled this is NEGATIVELY affecting my ability to be approved for another mortgage. Shellpoint is also INCORRECTLY reporting NO PAYMENT from XXXX to XXXX instead of noting PAYING AS AGREED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am not an authorized user of any accounts. I have made multiple attempts to get them removed from my credit file. I do not share any credit accounts with anyone. Please have all 3 Credit Bureaus remove any authorized user accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase show wrong on my credit bureaus report XXXX XXXX   need be from remove from XXXX  XXXX  soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Account Services, LLC
State: GA

Complaint narrative:
I had a medical debt with Patient Accounts Bureau/XXXX  XXXX that was paid off on XX/XX/2020. The Payment was paid ( {$1500.00} + {$6.00} handling fee ). I have continued to receive collection calls. I have told them repeatedly this was paid off and I have been told each time the manager, XXXX XXXX, would call me to resolve this. Each time they call for payment, we go through the same deal, with them always saying XXXX XXXX will straighten it out. I have sent them ( repeatedly ) copies of the confirmation code and the account it was paid on to no avail. The only information that any of the collectors have been able to tell me is that maybe they applied it to another debt that I have with them. If this is the case why did the balance not go down on the other account and how are they able to take the money away from where I had applied it? I received no satisfactory answer other than XXXX XXXX would call me, which she has yet to do. XXXX, XXXX, XXXX is way to long for them to find my money, pay off my account and quit calling me regarding it.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-15 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: NV

Complaint narrative:
I had the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XXXX2020 and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!

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 2020-06-15 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my credit report, I saw an outrageous amount of accounts under my name that name that are not mine. Please delete these items from my reports.

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 2020-06-15 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my credit report, I saw an outrageous amount of accounts under my name that name that are not mine. Please delete these items from my reports.

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 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I set up an account with remitly.com for the purpose of making an international money transfer in the amount of {$300.00} US. I received an email receipt for the transaction, then I received an email notice stating that my transaction had been cancelled due to " suspicious activity '' on my account. 
I tried to email this company for an explanation. The reply I got advised their email customer service was unavailable, as is their telephone customer service, which I also tried. 
I went through a lengthy wait time to speak with a representative on the company 's on line chat application. I was told basically the same thing as the email stated. In addition, I was told that I was barred from ever using their service. When I asked for a detailed explanation of the nature of the suspicious activity and an explanation for their decision, They refused to provide either, and referred me to their user agreement, which provided no specific information about this denial of service except for reasons not applicable to this situation. 
As a consumer I believe I have a right to know exactly what the reasons are for a complete denial of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: GA

Complaint narrative:
I am not an authorized user of any accounts. I have made multiple attempts to get them removed from my credit file. I do not share any credit accounts with anyone. Please have all 3 Credit Bureaus remove any authorized user 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 2020-06-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am not an authorized user of any accounts. I have made multiple attempts to get them removed from my credit file. I do not share any credit accounts with anyone. Please have all 3 Credit Bureaus remove any authorized user 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 2020-06-15 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I had the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XXXX2020 and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I had the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XX/XX/XXXX and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!

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 2020-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I started checking my credit for innacurate information this year. I have disputed this fraudulent account many times via XXXX  and XXXX. It still appears on my credit report. I even put out a fraud alert. I do not recognize this account. Please delete it from 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 monetary relief