vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
All of my loans were with XXXX XXXX throughout my XXXX  school training, from XX/XX/XXXX to XX/XX/XXXX. When XXXX from XXXX  school in XX/XX/XXXX, I made many calls to my loan serving company so that I could properly consolidate my loans and enroll in an income based repayment plan, and begin working toward the Public Service Loan Repayment Program. At that point, my loans were switched ( without my knowledge ) to XXXX. I was told that my loans had been consolidated, I waived my 6 month deferment, and began paying my monthly payments to beginning accruing toward my 10 years of payments. Unknown to me, XXXX XXXX had only switched HALF my loans to XXXX, and the other half ( two different loans ) were still with XXXX XXXX, and not enrolled in any repayment plan. It wasn't until 6 months later that I received a ~ {$3000.00} bill from XXXX XXXX that I was told I was " still in school '' when I had attempted to consolidate my loans, and therefore these loans were not consolidated. Of course, that makes no sense, since I had already XXXX  from XXXX  school in XX/XX/XXXX and half of my XXXX school loans WERE in fact consolidated and sent to XXXX. And it makes no sense since the consolidation had taken place after my public and exciting XXXX   from XXXX  school. The XXXX  was on XX/XX/XXXX. In any event, even if they were to argue that I didn't truly XXXX until XX/XX/XXXX, I was not informed of this issue, AND they actually did consolidate half of my XXXX school loans. You simply can't have it both ways. Because of this, I lost 11 months of IBR on my now " second '' and " third '' consolidated loan. I simply want to be credited with the 11 months to my second and third loan just as I was to my first. Please see attached documetation, especially the email from XXXX XXXX noting I had submitted my consolidation request ( XX/XX/XXXX ) after the date of my XXXX  ( XX/XX/XXXX - picture of XXXX ticket also attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 2 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the accounts that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and AUDIT AND ADJUSTMENT has NOT removed THESE accounts from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation
State: OH

Complaint narrative:
Explained the amount is not the Companies debt. Also advised to contact XXXX XXXX Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: WA

Complaint narrative:
I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXXXXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting an account on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my wife did too, and XXXX XXXX XXXX  XXXX has NOT removed this account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve 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 2019-02-10 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: TX

Complaint narrative:
A student loan has caused my score to lower before it is due. It is not delinquent. I was approved.

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 2019-02-10 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: TX

Complaint narrative:
A student loan has caused my score to lower before it is due. It is not delinquent. I was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: MS

Complaint narrative:
I have submitted various disputes over time with this agency regarding accounts that are frivolous or are showing inaccurate information. However, upon submitting the disputes with the agency, 3-4 weeks later, I receive a letter with my credit report and the investigation results. They come back verified as reported. I know by law, that the accounts in question can not be verified because these companies do not possess a signed contract or have a document such as a copy of my drivers license or social security card attaching me to the accounts in question. Therefore I sent debt validation letters to the creditors or collection companies. Within 30 days, I received nothing back or a statement outlying balances of what is owed. According to FCRA under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), the agencies must provide documents proving their method of verification. I have sent at 4 letters requesting documents and I have not received any response in accordance to my request. Listed below are the accounts in question that are on my credit report that should be deleted due to inaccurate information, that by law is an unverifiable account. 

XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX Unverifiable Acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: MS

Complaint narrative:
I have submitted various disputes over time with this agency regarding accounts that are frivolous or are showing inaccurate information. However, upon submitting the disputes with the agency, 3-4 weeks later, I receive a letter with my credit report and the investigation results. They come back verified as reported. I know by law, that the accounts in question can not be verified because these companies do not possess a signed contract or have a document such as a copy of my drivers license or social security card attaching me to the accounts in question. Therefore I sent debt validation letters to the creditors or collection companies. Within 30 days, I received nothing back or a statement outlying balances of what is owed. According to FCRA under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), the agencies must provide documents proving their method of verification. I have sent at 4 letters requesting documents and I have not received any response in accordance to my request. Listed below are the accounts in question that are on my credit report that should be deleted due to inaccurate information, that by law is an unverifiable account. 

XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX  Unverifiable Acct.

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 2019-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In the Spring of XXXX my XXXX was very ill so he executed a Durable Power of Attorney and I went to all the banks he had accounts in his individual name to get them moved into his revocable trust account. All the Bank 's were excellent and timely in approving my Durable Power of Attrorney ( DPOA ) except Santander Bank. XXXX XXXX XXXX and XXXX XXXX XXXX approved the Durable Power of Attorney within 2 weeks. Santander Bank never approved the DPOA and I went to the bank at least XXXX times in person to follow up. Their legal department received the DPOA to approve from the downtown XXXX XXXX in the Spring of XXXX. 

Finally I had to take my Father, who is in Hospice and on oxygen XXXX hours a day and using a wheelchair and a XXXX physically to the XXXX XXXX XXXX Santander  Bank. We went to the drive-thru which I thought would be easier on my XXXX. We were told he has to physically come into the lobby to be on their camera 's to withdraw his money and get a bank check. I know the drive-thru tellers have camera 's on the cars that pull up. I requested the branch XXXX come out to the car to have my XXXX fill in any forms they need and when the check was ready I would do my best to get him into the branch to wave at the cameras. She finally said the check was ready so I got my XXXX 's oxygen and XXXX and we made it into the branch. We still had to stand there more than 20 minutes and the check was not ready by the teller so the branch manager had to get her chair for my XXXX to sit in before he collapsed. He withdrew large amounts from two accounts and the manager said that he had no other accounts with their bank. It turns out that he had a third account with {$37000.00} in it held in his individual name. My XXXX passed away on XX/XX/XXXX and now I have to go to XXXX because of Santander never approving my DPOA and not telling my XXXX that he had a third account in his own name. I really hope you pull the video from that day in XX/XX/XXXX to see how pathetically they treated a person and made it so difficult for someone to get their own money out of the bank. The DPOA should have been approved timely. 
I would like to be reimbursed the approximately {$2000.00} in legal fees going through XXXX will cost. I also want an appology from the XXXX branch as well as the executives at Santander Bank. 
I have copies of the bank checks with the exact date of XX/XX/XXXX at time stampXXXX

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 2019-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
All accounts have been paid in full and are not reporting as paid. Need to show delinquent or remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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:
Trans Union has dropped my credit score over sixty points in XX/XX/2018 for reasons unknown to me, they are completely lopsided from other credit reporting agencies, I have not been given a satisfactory reason for this, I am still using credit on a regular basis, I'm just not applying for any credit cards or using any of their offers, I wouldn't be so concerned if all the credit agencies were closer on their findings or for the fact that I dropped so many points at once with this agency, there is over a sixty point difference from XXXX, I would just like to know why it dropped so much so fast. 

Thank you, 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 2019-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
I pulled all 3 of my credit reports, and my husbands reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 3 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my husband and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my husband did too, and AUDIT AND ADJUSTMENT has NOT removed these account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my husband, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
All accounts have been paid in full and are not reporting as paid. Need to show delinquent or remove 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 explanation
Consumer complaint received 2019-02-10 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
All accounts have been paid in full and are not reporting as paid. Need to show delinquent or remove 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 explanation
Consumer complaint received 2019-02-10 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: ISIS SECURITY INFORMATION SYSTEMS INC.
State: TN

Complaint narrative:
Incorrect reporting of debt. Insurance at the time paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: MS

Complaint narrative:
In 2016 I went to a school to learn truck driving for my business, XXXX driving school for my XXXX. 
I was told that upon graduation they would sell me a truck and that I would be an owner-operator making 85 % of the profit of the load. 
When I went to driving school we were supposed to learn how to drive both a manual and automatic, we were supposed to learn all XXXX Regulations, we were supposed to learn how to tie down freight, we were supposed to learn everything there was about safe and proper operations of a truck. 

About 2 weeks into the school I kept telling them I needed to learn to manually shift the trucks at which time I was told that once I got out of school I would learn the ins and outs of the business. I started asking questions because every test we had was open book, we were not doing anything in the classes to learn any regulations and was told that once we came out of the school our teammate would train us. I explained I was not there to be a team I was there to be an independent owner. 
So it was explained to me that would be something I would deal with recruiting with once I got my XXXX. 

So the whole time I was in the class was spent on a shifting pad in XXXX gear and reverse and we were never trained on the open road. We did not learn any DOT regulations, we did not learn anything. 

The first time I took my driving test I failed because I did not know how to use a stick shift, I was never took out to learn the proper way to shift a truck and the second time I took the test the instructor told me because I was worried I would fail again to just stay in low gear, act like traffic was too thick to go any faster and that the man testing me would shift the gears if I had issues so that was how I graduated. 

When I was issued my license I kept telling them I not comfortable driving the truck because I did not know any of the DOT regulations because all of the tests we did was open book and we was never schooled in any of them and was told just to mark the right answers which was already outlined in the test books, how to slide tandems, how to drive on the roads and they told me that was something I would be trained for once I got my on the road trainer which I never got they continued to delay me in coming to work. 

I finally got tired of waiting and went to another company where I had to go out with a trainer for another 4 weeks because I didn't even know the basics of driving a Semi.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation