vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
To whom it may concern, I have recently been informed that there has been negative information reported by Wakefield and Associates ( based out of XXXX, Colorado ) to the Credit Bureau from the file they maintain under my Social Security number. Upon reviewing a copy of my credit report I see an entry listing that I owe {$1600.00} & a subsequent listing that I owe an additional {$230.00}. 

I challenge the accuracy, compliance and report-ability of these listings. Wakefield and Associates needs to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file they maintain under my Social Security Number and removed from my credit report. 

In the letter to Wakefield and Associates I provided 30 days to complete their investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I will meticulously be keeping track of all actions, including methods of verification, and how Wakefield and Associates would of accessed HIPPA protected information as a third party. 

In my letter I do not consent to E-Oscar or any other means of automated verification that has clearly failed Wakefield and Associates. Automation is the reason why Im having to waste my time, defending my name and reputation. The automated system has caused me to have to go out of my way and fix these inaccuracies and defaming reports, and will probably lead to Wakefield and Associates losing another law suit. 

If this matter is not taken care of within thirty days of my certified letter, it will result in a small claims action against Wakefield and Associates for Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, HIPPA Violations, and the list goes on. 

Wakefield & Associates has a horrible reputation for their acrimonious actions on every platform. The Consumer Financial Protection Bureau was created to keep companies like this from doing fraudulent stuff and attempting to take advantage of innocent people. I dont barrow money, I could careless about my credit score. I checked for the first time ever, just to do it after a friend I gave hard money loan to asked what my credit score was. Im XXXX because of the principle, either Wakefield & Associates has the wrong person, or knowingly is committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
In XX/XX/2020, we missed a payment due to a some personal family issues. We calledBridgecrest when we realized we missed our XXXX payment and was set up on a payment plan to get us current. Our usual payment is {$410.00} a month but we paid {$510.00} per our payment agreement from XXXX to XXXX. On XX/XX/2020, we paid for a credit monitoring service through XXXX and found out Bridgecrest was listing us being late every month since XXXX. This is not true as we ONLY missed XXXX payment and set up a payment agreement with them and PAID it EVERY month. When I realized what they were doing I quickly paid the full amount due. I was never informed by Bridgecrest that my account would be reported late on this payment plan and I was actually lead to believe the opposite as they wanted to asure payment by scheduling a direct debit from my account every month. I agreed to it to protect my account and keep my credit in good standing. I contacted Bridgecrest several times to dispute the late payments as well as disputing it with the credit bureau. They are reporting that we have been consistently late for 5 months and reflecting we are not making payments as agreed, however, we are making a payment every month in accordance with our payment plan. Bridgecrest refuses to fix it and it is affecting our credit score and our ability to buy a house. We are looking into a class action lawsuit with our lawyer as many other customers have experienced the same unethical reporting practices of Bridgecrest. We would like our credit report to accurately reflect our payments and ONLY show we were late in XXXX and paid as agree from XXXX through XXXX as we have paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AL

Complaint narrative:
After reviewing credit report found this incorrect accounts, I also tried reaching out to credit bureau and companies for resolution without any help or changes. The following accounts are incorrect XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. The following inquires XXXX XXXX, XXXX, 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 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: DE

Complaint narrative:
I initiated a payment dispute on XX/XX/XXXX through US Bank for a {$260.00} pre-payment made on XX/XX/XXXX to a merchant that I have not received services for. The services were never delivered and was supposed to be deliver in XX/XX/XXXX. US Bank reviewed my and dismissed my case claiming I need to contact them within 60 days after the error. While the payment date was XX/XX/XXXX the service was supposed to occur in XX/XX/XXXX which mean I am within 60 days. US Bank cardmember services team did not do their job properly and failed to understand chargeback management to the detriment of their cardholders. US Bank did not act in the best interest of their customer and prohibit cardholder from initiate payment dispute. US Bank should side and protect their customer from incorrect transactions and let the payment dispute run through the card network for resolution.

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 2020-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
Every! Single! Time! I attempt to receive information from Fedloan servicing it is incorrect or simply " unavailable ''. I have been correctly and consistently repaying my student loans since I began payoff several years ago. Every time I submit my ECF form to update my payments, my estimated eligibility date is moved and my payment count is incorrect. I have fought with them on no less that ten occasions regarding my payment count and I still believe it to be incorrect but it is simply their word against mine. 

When I filled out my first ECF, after paying my loans for something like six years, I was told 2 of my payments counted on two of my loans and 15 counted on my other loans. This itself doesn't make sense because my payments have always included all loans. After disputing with several agents, all of whom couldn't give a rats about my problem, they updated my count. I still don't believe it to be correct, but at least its consistent across the board. 

This month, I have faithfully re-submitted my ECF for the year, and despite the payment history literally showing on my account, they updated my payment count to 7 ( out of 12 months ) and pushed my eligibility date out by 7 months. I believe the error is due to the fact that when I applied for forgiveness ( knowing fully I would be denied, in order to apply for TEPSLF [ what a XXXX  system! ] ) they updated my count. 
They updated my count in XX/XX/XXXX but the letter attached only counted payments through XX/XX/XXXX : XX/XX/XXXX to XX/XX/XXXX is 7 months, so that would mean XXXX-XX/XX/XXXX has been overlooked. 

Additionally, I am aware that I have had several years of payments under the Graduated repayment plan, which I know and understand does not count toward PSLF. However, Fedloan is unable/unwilling to give me that count, and will only tell me I am denied under TEPSLF. They will not give me an estimated TEPSLF eligibility date including those payments. So essentially, I need to guess at when I've reached 120, in order to request TEPSLF. If I am off my one month, my TEPSLF will be denied, and I will not know how far off I was. 

I am so tired of this company and would do anything to go back to XXXX. I understand this is a nationwide problem and this company has failed in every aspect of its responsibility. I don't know why the world will not stand up to this issue, and rescind the responsibility of this program from Fedloan. They can not handle this, nor do I believe they want to. 

For the love of God, please help us. We are desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
NAVY FEDERAL CREDIT UNION I HAVE A CREDIT CARD ACCOUNT WITH NAVY FEDERAL. MY LIMIT IS XXXX. I ALWAYS PAY MY CREDIT CARD AMOUNT OFF EVERY MONTH. 
WHEN I SPOKE TO AN NFCU AGENT TODAY, XX/XX/XXXX SHE LOOKED AT THE CRITERIA I SPOKE ABOUT AND INFORMED ME THAT UP UNTIL TODAY, FROM XX/XX/XXXX TO XX/XX/XXXX XXXX I HAD DEPOSITED XXXX INTO MY CREDIT CARD ACCOUNT. 
SHE LOOKED INTO AND STATED SHE ALSO FOUND AN ERROR. SHE COULD NOT FIND A XXXX DIFFERENCE. 
I FEEL THAT MY ACCOUNT IS BEING TAMPERED WITH. 
I AM A VICTIM OF FRAUD AND NFCU DOESNT LOOK INTO IT THOROUGHLY. I WOULD LIKE 3RD PARTY INTERVENTION. 
I PAY MY CREDIT CARD AMOUNT OFF EACH MONTH. DURING THE PERIOD OF XX/XX/XXXX UNTIL XX/XX/XXXX I DEPOSITED XXXX I DID NOT PURCHASE ANYTHING LARGE OR UNUSUAL. THIS IS NOT NORMAL FOR ME. 
I USUALLY IMMEDIATELY ADD MONEY TO MY CREDIT CARD ACCOUNT TO KEEP IT UPDATED SO I CAN CONTINUE TO USE IT AND KEEP A GOOD CREDIT SCORE. THIS IS WHERE MY PROBLEM IS I BELIEVE. 
I REALIZED I HAD DEPOSITED XXXX. WITHIN 5 WEEKS. 
WHEN I CALLED TO FIND OUT WHAT WAS GOING ON I WAS GIVEN VAGUE DISTURBING ANSWERS. AFTER TRYING TO FIND OUT WHAT WAS GOING ON I NOTICED THAT THERE WAS A CHANGE TO MY CREDIT CARD ACCOUNT. 
THE CHANGE WAS THAT I NOW OWED XXXX  $ FOR XX/XX/XXXX AFTER DEPOSITING ALL OF THAT MONEY. 
I CALLED NFCU AGAIN. I NOTICED AFTER I MADE THAT CALL THE XXXX   $ PAYMENT WAS REMOVED. 
THIS US DISTURBING. 
I DO NOT UNDERSTAND HOW I SPENT XXXX IN 7 WEEKS WHEN MY CREDIT LIMIT IS XXXX AND I CONSISTENTLY PAY IT OFF. 
I WROTE TO THE NCUA AND THEY STATED THAT AFTER CAREFUL CONSIDERATION, MY CASE SHOULD BE REFERRED TO THE CFPB. 
I BELIEVE I AM MISSING MONIES ESPECIALLY SINCE I WAS INFORMED THAT THERE WAS A XXXX $ DEFICIT ON XX/XX/XXXX BY A NFCU AGENT SUPERVISOR.. 
THE REASON I CALLED TODAY WAS BECAUSE I NOTICED A DISCREPANCY. THERE WAS XXXX BALANCE AND A XXXX XXXX $ PENDING TRANSACTIONS. 
I ADDED THIS AMOUNT UP. IT CAME TO XXXX. I SUBTRACTED THIS FROM FROM XXXX, MY CREDIT LIMIT THE AMOUNT WAS XXXX. 
MY AVAILABLE BALANCE WAS XXXX. 
WHEN I CALLED NFCU AND SPOKE TO AN AGENT. I THEN ASKED TO SPEAK TO A SUPERVISOR. AS I WAITED I PULLED UP MY STATEMENT AND LOOKED AT MY STATEMENT AGAIN. THE BALANCE HAD NOW DROPPED DOWN TO XXXX. 
I COULD NOT UNDERSTAND IT. I SPOKE TO THE SUPERVISOR OF MY CONCERNS. THEN SHE STATED THAT SHE WOULD HELP ME. SHE INFORMED ME AS OF TODAY I HAD DEPOSITED XXXX INTO MY CHECKING ACOUNT AS OF XXXX XXXX. SHE INFORMED ME ABOUT A XXXX DEFICIT. 
INCIDENTALLY.. 
IT SEEMS THAT WHENEVER I GET A LARGE SUM OF MONEY I AM MISSING MONEY IN SOME FORM .ON XX/XX/XXXX, I RECEIVED A DEPOSIT OF XXXX. I IMMEDIATELY PUT XXXX IN MY CREDIT CARD ACCOUNT. BY XX/XX/XXXX I HAD ADDED AN ADDITIONAL XXXX. WHERE DID IT GO I WOULD LIKE CLARITY IN THIS MATTER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: CORELOGIC INC
State: NY

Complaint narrative:
Im seen losing a lot of my point during my process to get my loan and this company thats pull up my credit some of them I dont know them

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 2020-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
This complaint is against Credit Acceptance Corporation. First I have the picture of the vehicle which is a total loss. Second the GAP insurance company that process the claim. Is not the company listed on the original retail installment contract. Third the amount owed on the car and blue book value of a 2010 XXXX XXXX with XXXX miles in Good condition was LESS than what the insurance company would have to pay for repairs. The vehicle is a Total Loss. Credit Acceptance Corporation practice unfair business practices against minority groups to gain profit.

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 2020-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient Private student loan. Has called me ( XXXX XXXX ) at my work place when it could potentially cause me to lose my Job. Calls constantly and emails me as a Cosigner for my husband 's private student loan. My husband ( XXXX XXXX, has reached out to Navient however they want a huge lump of payment from him, hence we have used a consumer credit assistance through XXXX XXXX XXXX and ( Navient ) continues to refuse to work a flexible affordable repayment options with XXXX XXXX XXXX. Has threatened my husband and me with debt collection tactics by email, letters, phone calls ... Times are tough and if Navient continues to call my work place I could potentially lose my Job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Debt was disputed through XXXX  in XXXX with no response from company. Statue of Limitations has passed on this debt.

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 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I tried to transfer money from my PNC account to a charity and it said that PNC made a change that prevented me from linking my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Trans world is placing items on my credit report that has not been confirmed or provided anything in writing to me. As part of the Fair Credit Reporting act, I am entitled to have information accurately displayed on my credit report. There is no new collection or past collection reported to myself. If it was fairly identified as a debt I owed it would never went to collections because I personally would have paid it. This is not identified as a credit account, loan, state or government lien. I demand it is fairly displayed as I do not have outstanding debt owed to Trans World or any of their affiliates. I want my credit scored returned to previous value as this is not a new collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: FACTUAL DATA CORP.
State: NY

Complaint narrative:
Im seen losing a lot of my point during my process to get my loan and this company thats pull up my credit some of them I dont know them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: NY

Complaint narrative:
Im seen losing a lot of my point during my process to get my loan and this company thats pull up my credit some of them I dont know them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: MD

Complaint narrative:
EQUIFAX I AM CONTINUOUSLY HAVING ISSUES WITH EQUIFAX 'S FALSE REPORTING. 
DURING XXXX THEY DEDUCTED 9 POINTS FROM MY CREDIT SCORE BECAUSE THEY FABRICATED A ACCOUNT REMOVAL FROM MY XXXX  ACCOUNT. 
THEY STATED THAT MY AUTO ACCOUNT WAS REMOVED FROM XXXX XXXX. IT HASN'T. 
I BELIEVE THAT THE MANY PAST MONTHS OF INCONSISTENT REPORTING IS THE RESULT OF TAMPERING FROM EMPLOYEES WHO ARE WORKING WITH OUTSIDE ORGANIZATIONS AND AIDING MEMBERS FROM SPECIFIC LODGES FOR REQUESTED RETALIATION THIS TAMPERING WITH MY ACOUNT SUCH AS CHANGING MY BIRTH DATE, MY SSN NUMBER. INSERTING FRAUDULENT INFORMATION IS CONSTANT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
I had a mortgage with XXXX XXXX company, XXXX XXXX XXXX, XXXX XXXX, AR ( XXXX ). I got behind and they told me if I paid XXXX I would be caught up. I paid the XXXX and the next month they sold my loan to freedom mortgage. Freedom mortgage ( XXXX ), said that I was behind and owed XXXX. Since I just paid the XXXX thinking i was caught up there is know way I can pay the XXXX. So Ive been paying what they, freedom mortgages says is the minimum payment of XXXX. I've paid that for the last two months ( XXXX and XXXX ). I got a statement that said I had til XX/XX/XXXX to pay XXXX. Today I get a statement that says I owe XXXX dollars. There is absolutely no way I can pay XXXX less known XXXX. They bombard me with mail, before I can reply to one letter I receive another letter/statement. Further more I do not know where they are getting all these amounts, and know one can seem to explain it to me. Everyone has an attitude. They also said even though there is a pandemic and we are in economic crisis 's there is nothing they can do for me because I was already behind on the payments. If I was already behind how do you expect me to catch up? Nobody cares ... ... Any information you can provide will be helpful. Im trying to work with them to save my home.

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 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
Credit coll/ usa is reporting inaccurate information. Did not receive written documents in the mail to prove i owe this debt.

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 2020-04-28 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: WA

Complaint narrative:
I called experian to fix some miss information on my credit report missing and wrong information I attached the proof insted of fix problemthey removed my XXXX XXXX  XXXX XXXX from the credit report for fraud I filed a XXXX  xomplant they ignored the CFPB I had copy of all three credit reports XXXX  said they would fix problem they never did comiting credit reporting fraud they removed my Morgage accoumt from all three credit reporting the said they never herd back from XXXX XXXX  XXXX XXXX on a dispute we bad news I never filed a dispute I have a copy of the recording with conversaion with XXXX  mesaying this is not a dispute this is adding information for payment history formotgage I gave then copy of XXXX XXXX  payment hisfory XXXX  filed dispute without my permision I have proof and a copy of my Bank contract infor showing XXXX  refused to take XXXX XXXX  XXXX XXXX XXXX XXXX  keeps getting a ellectronic responce saying XXXX XXXX  is a fraud account so cant be prosess for report XXXX  cerent credit report shows nothing of XXXX XXXX  all this information was sent in to the prosecuting attorny for prosecution for posable demestic terorisem on my credit report throu XXXX  I am and will file charges no mater the out come

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