vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IL

Complaint narrative:
I have 2 issues that I have been trying to resolve. 

Issue # 1 : On XX/XX/XXXX, I faxed over my application for the Public Service Loan Forgiveness ( PSLF ) program. I also submitted a second application for PSLF on XX/XX/XXXX. The XXXX application was for my years of XXXX service in the USA starting XX/XX/XXXX and the XXXX application was for my years of XXXX  service between XX/XX/XXXX to XX/XX/XXXX ( I left the USA to XXXX abroad for 3 years ). 

On XX/XX/XXXX I was notified via letter that my XXXX application was denied due to incomplete information. I refaxed again on XX/XX/XXXX to which they denied again on XX/XX/XXXX due to missing information. I faxed again on XX/XX/XXXX. I called on XX/XX/XXXX to inquire about the status of my application and the CSR told me that it was never received. She told me to take a photo of it and upload via website which I did that day. Finally, on XX/XX/XXXX I received notification that my PSLF  application was received and processed ( original application sent XX/XX/XXXX )! 

I have called several times to inquire about the number of qualifying payments I have that count towards PSLF. Every time, I am told to call back because they have not been processed or calculated ( see attached phone records ). To resolve issue # 1, I want to know how many qualifying payments I have made towards PSLF. According to the notice I received on XX/XX/XXXX for my XXXX application, qualifying payments are calculated within a few weeks. However, it has been since the end of XXXX and noone can tell me how many qualifying payments I have made! 

Issue # 2 : On XX/XX/XXXX I sent my annual Income Driven Repayment ( IDR ) plan request. On XX/XX/XXXX I received notification that my payments would jump from {$0.00} to {$940.00}. I called and CSR told me to resubmit an application and check the box for " lowest monthly payment ''. I immediately did this and on XX/XX/XXXX, I received notification that my application was denied. I uploaded again on XX/XX/XXXX and it was denied due to insufficient documentation. I uploaded again on XX/XX/XXXX and was told that I would receive my updated payments by XX/XX/XXXX. After still not hearing anything, I called on XX/XX/XXXX to inquire about my 5th application for an updated IDR payment plan and was told that I need to make a {$5.00} payment to complete the application process- that is what was holding up my application. I explained I never received notification that I needed to do that! I made payment and was told to wait for my new payment amounts. 

To resolve issue # 2, I just need to know what my new payment amounts are!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To whom it may concern I had opened an installment loan account at the XXXX XXXX XXXX XXXX XXXX in XXXX my account has never been delinquent, a bad debt, charge off or never Ever been a closed account. My credit Union reports to Transunion and XXXX. The Credit Union had changed over to a new software system. And was having some glitches with their program. According to the head account manager, The wrong code was keyed into the system on the Transunion side. And reflected that my account was closed on XX/XX/XXXX and Was in bad standing. Even though it said payments were on time and never late. I have visited the credit Union numerous times to get this matter corrected And each time they stated that they had reported to TransUnion and have corrected this matter. As of currently, this matter has not been corrected. My credit score for TransUnion currently reflects a XXXX, while my other scores fir XXXX and XXXX  are XXXX and XXXX. 
I have filed a dispute over the phone with Transunion and I was told by the credit union that they received the dispute and have corrected this matter and still nothing has been corrected I asked them to provide me a letter so I can file a complaint and show proof for my dispute. Please help me to rectify this matter.

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 2019-06-26 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: AR

Complaint narrative:
XXXX  XXXX, XXXX XXXX  XXXX XXXX, The accounts do not reflect their accurate status..They aren't paid late they were paid on time..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: AR

Complaint narrative:
XXXX XXXX, XXXX XXXX  XXXX XXXX, The accounts do not reflect their accurate status..They aren't paid late they were paid on time..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is.

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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX The accounts do not reflect their accurate status..They aren't charge off they were paid and satisfied as agreed..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I noticed this on my report. I have sent them several letters asking them to provide me with a copy of any viable evidence bearing my signature. They have not been able to provide me with anything except a statement. They can't tell me what was purchased, when or by who. They keep calling me and harass me daily. I will be attaching all my letters with proof they have received these letters and still keep sending me statements. I had another instance with another debt collector where i had something on my credit report that did not belong to me and they were able to provide me with the actual application and there were two different handwriting that were not mine. i have no idea what this portfolio is trying to collect and they can't verify account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: AR

Complaint narrative:
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX The accounts do not reflect their accurate status..They aren't charge off they were paid and satisfied as agreed..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it

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 2019-06-26 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: AR

Complaint narrative:
XXXX  and XXXX XXXX did not report the student loans but why is Experian not complying!!! I have never received any verifiable proof!! all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA. 
DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXX  XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  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 explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received notice from a rental company that I had an eviction on my credit report dated back further than 2 years and should not be there. The Company is XXXX XXXX XXXX. and dates are XXXX, XXXX, XXXX, XXXX. Cases were closed favorably.

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 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: PA

Complaint narrative:
My bank charged me 5 overdraft fees in 1 day, but everytime I thought I went over a little I put the money right back in from my other account but was still charged and the bank saying there is nothing they can do, now Im almost - {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent disputed letters asking for the unverified late payments to be removed for the year of 2015, they only removed 2 late payments, there are still unverified late payments on my accounts, If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

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 2019-06-26 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.

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 2019-06-26 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: MI

Complaint narrative:
I have been trying over SEVEN MONTHS now to have TransUnion properly and legally verify items that appear on my credit report. What they have done is contacted the creditors, and the credit reporting agency ( TransUnion ) and the creditors have 'verified ' among themselves, without providing ME with any supporting documentation ( an 'original ' document bearing my signature ) that they, in fact, are reporting on the correct person. Also, per the FCRA, TransUnion must maintain original documentation ( baring MY signature ) and receive it DIRECTLY from the creditor/original reporter ( i.e. the court ), NOT a third party ( i.e. XXXX ). As the attached demonstrates, the court responsible for some of the items being reported on my report DO NOT communicate directly with credit reporting agencies, thus making this information baseless for reporting. 

Also, TransUnion closed CFPB report # XXXX without resolution, stating that the investigation will take up to 60 days. I request that this CFPB case remains open until the case is resolved, AND that the results ( minus any of my personal information ) are given to me here on CFPB 's site, in addition to any mailing I may receive.

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 2019-06-26 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:
The account/collection ( Original Creditor : ) XXXX doesn't belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted Equifax to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Service Finance Holdings, LLC
State: FL

Complaint narrative:
I had an installment loan with Service Finance Company for an air conditioning unit installed at my home. I lost my job and was late on several payments. I paid off the loan fully in XX/XX/2019. I went to re-finance my home mortgage and was informed that Service Finance incorrectly reported the account type to the credit reporting services as a mortgage account which severely impacted my credit score, instead of the proper account type ( unsecured installment loan ). 

I contacted Service America on XX/XX/XXXX to correct the reporting account type to the credit services and they informed me that they can not correct the account type and would issue a letter stating the incorrect account type reported. 

I was informed by my mortgage company that the letter is of little use without correcting the account type with the credit services. I contacted Service Finance again and they are unwilling to correct the account type.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit report contains eviction notices from XXXX, XXXX, XXXX, XXXX that need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent disputed letters asking for the unverified late payments to be removed for the year of 2015, they only removed 2 late payments, there are still unverified late payments on my accounts, If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: NY

Complaint narrative:
I have sent disputed letters asking for the unverified late payments to be removed for the year of 2015, they only removed 2 late payments, there are still unverified late payments on my accounts, If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

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 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: LA

Complaint narrative:
In the month ofXX/XX/XXXX, I contacted Discover Bank, in reference to an old debt I had with them aging back to XX/XX/XXXX. This debt occurred during the time my now ex-husband and I had just buried a child, he lost his well paying job, and it was a decision to pay either the light bill or my credit card bill from one income. However, in XX/XX/XXXXwhile speaking to an agent, I advised them I wished to pay my XXXX dollar debt. In doing so, I was transferred to a supervisor in the collections department. After speaking to the gentleman, he advised me that I could no longer pay the debt because it was charged off to a 0 balance and I was set to receive a 10-99C form in the mail, in which I did by the month of XX/XX/XXXX. After receiving that information, I made my loan officer aware of the situation. Months went by and my credit began to improve, but through another XXXX XXXX credit check in the month of XX/XX/XXXX, my loan officer noticed where I needed to pay Discover in order to get a credit rescore, to add a possible XXXX points. It was then that I reminded her, that paying discover could not happen due to the first failed attempt, and it having to be claimed as income, due to the 10-99 C form. She then advised me to contact them, let them know what's going on, and to request a letter from them stating the account was closed and charged off, in which Discover agreed to do, but the letter was never received via fax or through mail, as stated and agreed it would be. My loan officer then decided it was a good idea to call Discover, because they are reporting an unpaid balance to the credit bureaus, showing as if I could pay to clear it up. So on the evening of XX/XX/XXXX, my loan officer and I got on a conference call with Discover, attempting to resolve the issue. After being transferred through three different people, the third and final person, tried to explain the account would not show a zero balance as it wasn't paid off, however it was wrote off. He also began to state, that I could send a check voluntarily to show the zero balance, and to still file the 10-99C form because it wouldn't be retracted upon payment. My concern is simple, when attempting to pay, understanding it wouldn't be totally removed from my credit history, just the zero balance, I was advised of this write off and 10-99C form. I am now able to send in a " voluntary payment '' for a charged off account? How is that possible? Discover wants to not only still get their money, but are willing to not up front take the money, but " voluntarily '' take it, while still claiming the lost, and holding my points as they report this unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I had a balance of {$130.00} with my primary care physician. I paid this amount through my XXXX account on XX/XX/XXXX and the check was mailed to the address listed in the doctor 's bill. On XX/XX/XXXX I received a bill collector 's notice for this bill. I emailed the collection agency my supporting documentation showing that I paid the bill. The bill collector at the time was XXXX. I received email confirmation from the bill collector that the balance of {$130.00} was satisfied. 

Today, XX/XX/XXXX I received a call from Mrs. XXXX with First Point Resources asking for payment about the same bill. I emailed Mrs. XXXX all of the necessary documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Eviction notice from 2015  submitted in two formats -- eviction notice and {$4600.00} owed by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief