vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 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: MS

Complaint narrative:
Experian is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both Experian and the XXXX XXXX and has not received a response to my compliant.

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 2017-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I contacted PLAZA SERVICES on XXXX/XXXX/XXXX and spoke with a manager. I stated to her that I received a response from the company stating that the account was recalled from collections. With that being said the account is still reporting on my credit report and when I asked her why she informed me that they still have the authority to report the debt even though it was recalled from collections which I know is ILLEGAL on all aspects. She was very rude and that 's not good business practices especially when you are trying to collect a debt that has been bought for pennies on the dollar which still has not been proven to be mine. Not to mention she did n't even state that that was a debt collection agency and that was an attempt to collect a debt. I will not hesitate to take legal action because I have been compliant on my part. I have already started the proceedings and if the company does not comply with the FCRA from this point on I will not hesitate to proceed with my lawsuit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On two consecutive days, XX/XX/XXXX and XX/XX/XXXX ( 2017 ), I tried using the TransUnion online and then the TransUnion phone response systems to freeze my credit. After correctly inputting my personal identification online, TransUnion could not " confirm my identity '' and directed me to use its automated phone system. I tried using the phone system but I got cut off after the outgoing message stated it could not confirm my identity. I correctly answered the questions. As indicated, I went through the process twice. I called TransUnion, waited 35 minutes, and spoke to a representative. She acknowledged that yes, I might get cutoff but I had to use a different TransUnion number. She gave me the number and transferred me to the number - XXXX. I got cutoff after I was transferred and again after I dialed the number directly.

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 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Secured MasterCard website states : " if you make your first 5 monthly payments in time you will get access to higher credit line with no additional deposit needed, you may also earn credit line increases based on your payment history and creditworthiness " After 12 months of payments in full and on time I asked for a credit line increase. I received a declination letter that stated " Unsecured credit line increases are not available upon request on Secured Card Accounts '' clearly contradiction and false advertising

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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:
FedLoan Servicing ( run by the Pennsylvania Higher Education Assistance Agency ) has repeatedly put my loans into forbearance due to their inability to properly process paperwork and unreasonably extended the amount of time until I am eligible for Public Service Loan Forgiveness ( PSLF ) by 9 months. 

I graduated with roughly {$150000.00} in federal student loans ( all XXXX XXXX, XXXX and XXXX XXXX XXXX in XXXX and began payments in XXXX XXXX. My loans were first with XXXX XXXX XXXX XXXX and were then transferred to XXXX XXXX. 

I submitted my first PSLF certification paperwork in XXXX and my loans were transferred from XXXX XXXX to FedLoan in XXXX XXXX. For some reason, despite the fact that my Income Based Repayment ( IBR ) plan was valid until XXXX XXXX, FedLoan put me in the XXXX XXXX plan. When I called to get this fixed, they said they saw that I was on the IBR plan at XXXX XXXX and it should have transferred, but they would put my loans into forbearance while they tried to work this issue out ( and failed to mention that would mean those months would not count towards PSLF ). After about 4-5 months, they finally acknowledged I should be in IBR and payments resumed. 

In early XXXX, when I later transferred from the IBR plan to the Pay As You Earn repayment plan, they took several months to process this paperwork and again placed me in forbearance during this time. No one mentioned the impact this would have on PSLF. 

When I checked on my account recently and saw the estimated PSLF eligibility date was now XXXX XXXX when it should have been XXXX XXXX, I called them for an explanation. The customer service rep stated that because I was placed in forbearance during those two incidents for a total of nine months, I lost nine months of eligibility. When I explained that the only reason I was put in forbearance was because FedLoan had failed to properly process documents both times, the service rep stated that there was nothing that could be done and that the PSLF rules simply state any forbearance periods do not count towards eligibility. They did not offer any solution and refused to credit me some of the months that were due to their own processing problems. 

I think it is wrong that the consumer is punished for problems the loan servicer has in processing paperwork in a timely manner. I could understand losing a month or two ( and likely would n't have written in ), but 9 months represents a significant portion of time added to my loan repayment plan. I noticed that the Massachusetts Attorney General filed a complaint regarding this very issue, and that the CFPB has already received many complaints along this line, but wanted to add my voice to the chorus to help drive home how often FedLoan is doing this to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I went to TransUnions web site on XX/XX/17 to place a lock our my credit reports. Directed to create an account, which I did. There was never any mention of any charge, let alone a reoccurring monthly charge of {$19.00} to do this. On top of that, when I attempted to lock my reports, an error message came up stating : " We are having trouble matching a TransUnion credit file with your personal information. Please contact TransUnion 's Customer Relations Monday & mdhas ; Friday, XXXX XXXX-XXXX XXXX. ET at ( XXXX ) XXXX ( press # 4 ). '' The credit information they had for me was correct as was my profile information so the above message makes no sense. 

Tried to lock my account numerous times and all failed. Finally called the phone number shown above, somebody took my social security number then hung up. Called their support number and they were of no help. Simply said to keep trying and had no idea who the above phone number belonged to. 

So now my identify seems to be in jeopardy due to their web site. 

There also appears to be no way to contact Transunion via email or chat. Have to call and sit on hold to talk to somebody that has no clue.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried to place a freeze on my Equifax credit report and it is already frozen. 
Hacker with my info froze my report and now are the only ones that can unfreeze it with 10 digit number. 
They can unfreeze for a day, buy a boat and refreeze it. 
I no longer have any control over my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: MS

Complaint narrative:
XXXX is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both XXXX and the XXXX XXXX and has not received a response to my compliant.

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 2017-09-18 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: TN

Complaint narrative:
The name XXXX listed and reported on my credit report is not mine does not belong to me.

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 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AFNI INC.
State: MI

Complaint narrative:
I have received voicemail messages informing me that a complaint has been filed with my financial institution and that all assets and active accounts will be closed within 72 hours. 

In addition, this account was removed from my credit report already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: IL

Complaint narrative:
Equifax has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see enclosed letter ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Equifax XXXX XXXX XXXX XXXX GA XXXXXXXX XX/XX/XXXX RE : CONFIRMATION # XXXX To Whom It May Concern : I have contacted the following company / companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding this / these item / items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]  paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am requesting the Method of Verification used to contact this / these furnisher / furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following item / items can not be verified, please delete it / them from the credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Please sent me a complete updated copy of my credit report. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Integrated Mediation Solutions LLC
State: AL

Complaint narrative:
I was contacted at work and my cell phone by XXXX XXXX XXXX about a debt I supposedly owed. After contacting them back, I proceeded to try to figure out what company they were representing. I did not receive anything in the mail or in writing 5 days before contact explaining the validity of the debt. According to the fair debt act, the collector is suppose to sent a letter in the mail so I can research and respond to make sure the debt is valid. I requested a letter be mailed to me and the person stated that they could not do that. That is in violation of my rights. They continued to harass me and threatened to sue me. Even though they are not following proper protocol.

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 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I ordered somethings from abroad and they were delivered by XXXX. Later they sent a letter saying that i had to pay a duty of {$20.00}. As i was abroad, i returned and sent them a check already on XX/XX/XXXX ( Using first class mail ). Later I saw that, on XX/XX/XXXX, they cashed my check so I was quite.
Last Friday, XX/XX/XXXX, I received a letter from " Transworld Systems Inc '', says My Original Invoice was {$20.00} with a collection fee of {$2.00}, comes to a total of {$23.00} and that they are collecting on behalf of XXXX. As it was the weekend, I could n't call anyone to verify it. So i waited till Monday XX/XX/XXXX. I was about to check their website listed on the letter www.transworldpayments.com and saw that it was a fake website which was down. Later, I called XXXX and someone picked up and asked me for the File number ( XXXX ) and I gave it to her. Later she says I own them {$23.00} on behalf of XXXX and they are trying to collect. Her accent was clear that she was not from US so I asked, where is your office located so that i could XXXX, she is saying, in her exact words " Sorry, You ca n't ask our office address ''. When i asked why, she replied " Because I am a US Legal Citizen. '' Then I said I was asking for the address of her office, she said No she will not disclose it. When I asked to talk to a supervisor, she said, " you are wasting my time and hung up ''. 

Then immediately I called XXXX and asked them about my file ( Invoice No XXXX ) and they said that MY ACCOUNT WAS PAID IN FULL and I do n't owe them anything and they are NOT trying to collect anything. I was to have this on the record before they try to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
I am in severe default on my loan and want to get back on track. I was told I can not consolidate my loan because it is no longer owned by the US dept. of ed. and is not eligible for loan forgiveness. I am a XXXX in a high needs area and qualify for XXXX which would pay off my loan if I get it out of default. 

They are telling me I can not qualify for this but can not /will not provide me with any information proving this is the case. They are trying to force me into a payment plan that requires 10percent of my disposable income and I am already paying on another loan under the income-based plan and I have an infant at home and can not afford those payments so I have n't gotten it out of default. 

How the US sell my loan and then disqualify me from the programs I was told I was allowed when taking out the loan. They are also hounding me to make a payoff of over 8000 dollars and not taking it seriously when I offer payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
This is my XXXX complaint to CFPB on this same issue with Navient. I am the co _signer on my XXXX XXXX loans and have been making payments per Navient since XXXX. These payments and due date have been set by Navient and on automatic debit from my checking account on XXXX of every month. Starting in XXXX of XXXX I received e_ elert informing me my payment is over due I call Navient to inquire and customer service rep was of no assistance telling me it appeared I overpaid and wait till next month payment to see if payment adjusts.In XXXX I get same alert and call again relay same conversation with previous rep and was told my due date was the XXXX and had 10 day grace period I told him Navient picked re-payment date so why the past due alert? He said he would adjust account. XXXX I get no alert of past due payment but in XXXX I get monthly payment notice but notice I am being charged a late fee. I call Navient again and voiced my frustration with matter and ask to speak with supervisor I was turned over to another rep ( not a supervisor ) and again go through process of explaining problem this individual ask for account and I read account # off Navient web site and she tells me this is Not a valid # for a private loan and insists it is my fault for late fees because I was not paying on XXXX but on the XXXX. I inform her that Navient picked date and continues to argue the point of it being me who is at fault I ask her why I had no issues from XXXX to XXXX? Her response " I did n't set up re-payment plan '' I demanded to speak with a supervisor ( XXXX XXXX and again explained my issue to her she came back as says I see the problem ( your payments have been mis-applied ) I ask her why this continues too happen ( XXXX time in 4 years ). She has no answer but would adjust late fees charged and I ask about interest charged how do I know it 's has not been mis-applied her comment was ( go ask my son he signed loan ) I ask for a loan and re-payment break down on XXXX of XXXX loans and was told she would send me original loan. I want the loan break down for loan # XXXX in original amount of {$6400.00} loan has been paid since XXXX/XXXX/XXXX and now is at {$5700.00} after 8 years of payment prove to me all payments have been applied correctly to this account. I have done Everything I can to uphold the contract on re-paying these loans but have spent way to much time and energy ensuring that Navient holds up their end of contract. I have had enough these loans do not end per Navient re-payment plan until XXXX I will not tolerate this type of behavior for another 27 years if CFPB can not help with this matter I will take the legal recourse that I seen appropriate. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
My father, XXXX XXXX XXXX, opened a savings account online with SunTrust located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, P : XXXX. He did not submit a signature card to complete his application at SunTrust. 

My father is now XXXX as of XX/XX/XXXX and had no will nor assigned a beneficiary for his savings account or other assets. In agreement with my family then applied and received a Letter of Administration from XXXX County Probate Court to manage his estate. 
XX/XX/XXXX I brought my certified Letter of Administration paperwork in addition to my fathers certified XXXX XXXX to the XXXX XXXX XXXX XXXX Branch and spoke with XXXX XXXX, the SunTrust Teller on XX/XX/XXXX at approximately XXXX. 
XXXX XXXX took my paperwork and advised me that since my father did not submit a signature card, she will fax my documents to the legal department for review. 
I advised her that I lived in New York and could she please communicate with the legal department to inquire if I needed to complete anything else before I left the state. She refused and said that I would have to wait to hear back from the legal department and she had no idea of when that would be. 
I then called the SunTrust Customer Service Line and advocated my position. The representative asked to speak with XXXX and resulted in no further information on turnaround time or additional documentation that may be requested. 
XX/XX/XXXX I called the SunTrust customer service line to inquire about the status of the account and I was advised to contact XXXX at the branch. 
The customer service representative called for me as a courtesy and advised me that XXXX was not in. The representative went on to say that I needed to call the local branch repeatedly and bypass the option to leave a message with the manager until I got through to the branch. 
XX/XX/XXXX On Thursday, XX/XX/XXXX, after calling repeatedly for an hour, I got through to XXXX who advised me that she hadnt heard back from the legal department. I asked her to call them and advise me and she said that she would and return my call by days end, so I gave her my cell number. XXXX still has not called me with an update.

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