vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a loan with XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and Equifax with no successful resolution. XXXX, Equifax and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: CA

Complaint narrative:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are only 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I have taken the necessary step to dispute the information with the credit bureau. I'm very confused on how they verified these accounts. They are not following the rules and I'd like these 4 fraudulent accounts removed immediately. I've included the ID theft report to validate my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: NV

Complaint narrative:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AE

Complaint narrative:
I have worked for the XXXX XXXX XXXX for over 10 years while making payments with the intention of receiving the forgiveness under the Public Service Loan Forgiveness ( PSLF ). I have submitted my Employment Certification Form ( ECF ) over 3 times and received 3 different statements with 2 stating that I did not work for an agency that falls under the criteria. This has been debunked my HR team both times. Finally after proving to them that this was incorrect now they have turned down my ECF due to the following statement : NOT ELIGIBLE : based on our review, you do not have any eligible loan types. Under law the PSLF is only available for loans made under the XXXX XXXX XXXX ( Direct loans, which was my original loan type before it was sold to another borrower and now Navient ). I contacted them and they refused to change their answer. They sold my loan, changed the characterization of the loan ( probably for this reason ) and all while I had no agreement to this or did I sign a master promissory note. They now claim ZERO dollars apply to my loan forgiveness and I am getting a lawyer to take on the DOE. Please look into this as the customer service agent I spoke to said this was a common issue and she used the term " corrupt '' to describe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
My previous gym keeps billing me on Discover Credit card. I didn`t use that gym for the last year. Yet they keep billing me the membership fees. I canceled it and I asked Discover card to stop paying them. They kept transferring money to them. I kept asking for dispute but still, it is not working. 
The amount is $ XXXX monthly. They started to bill me XX/XX/XXXX until XX/XX/XXXX. 
I stopped going to that gym in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 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: CA

Complaint narrative:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was laid off and notified my lender that it would take 3 weeks before I got paid from my new job. My lenderw wellsfargo did work with me but my HOA would not. I had previous been in a loand modification and was able to catch up on my payments, but my HOA who I had problems with would not take any payments, but They did take funds from my lender wells fargo. I reached out to the lender for help a, I faxed over the documentation on th enotice of default from the HOA XXXX XXXX the collection company is XXXX  XXXX XXXX. 

WellsFargo still does not have a clue about the payment that was made on my behalf. I notified them in XXXX when I got my notice. It was filed on XX/XX/XXXX and the first 90 days ended XX/XX/XXXX. The problem is that Wells fargio is in second lien postion and I was advise to reach out to the lender, but they do not have a clue of what's going on and I'm getting research and no results. Time is of the essence and my contact from the office of the exective offfice is nice but still does not have a clue. 

I was advised by an attorney to reach out to my lender and I have with very little to no help. The property will be foreclosed on within a very short period of time. Once I find the sale date, if I'm not helped by the lender, I will take my mortgage money and protect my property since they are not. This is horrible way to do do business. My account is XXXX my representative is XXXX XXXX, XXXX ext XXXX. This is bad business the lender is willing to allow their lien position to be compromised to second position instead of doing what it take too help provide a resolution. It shows a lack of understanding.

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 2019-01-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX with no successful resolution. XXXX  and Equifax were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: IN

Complaint narrative:
XXXX representative examined our refrigerator on XX/XX/2017 on a warranty call and were paid a {$100.00} deductible that day. Subsequently, XXXX has sent multiple letters stating we owed the {$100.00} deductible. We called XXXX separate times and the call center would look up the account, look for payment the day we told them the check cleared, agree there was no amount owed, and then say they would take care of it. When I asked the third time if they could not update their system correctly, I was told to there would be no further problem and to ignore any further letters. We ignored further letters as told and now have received a collection letter from The Receivable Manager Services ( RMS ) as well as a phone call from RMS. We are now sending proof of payment to RMS as well.

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 2019-01-28 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: CA

Complaint narrative:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted Experian about several accounts on my credit report that is still open and active, although the two other Credit Bureaus have closed them. I submitted documents of receipts and the closure letter for XXXX XXXX and received a letter that this would remain on my report until XX/XX/2023. I immediately contacted Experian and was told by two Agents and a Supervisor who continued to give false information. I was told that the Company never confirmed with them that they needed to close my account. I contacted the Creditor and was told that Experian was contacted the same time as the other ones and that's why the accounts are closed. I was also told that we can do a three way conference and they would relay this information to Experian. Experian wouldn't do a conference call, but stated as an 'One time exception ' they would contact the company. I waited for over thirty minutes, while the Experian Supervisor kept me on hold only for her to come back and say that they confirmed that they closed my account due to debt being paid. The Supervisor stated that the system wouldn't allow her to close the account and I would have to wait until she could. XXXX XXXX stated they were on the line with Experian for about five minutes or less with the Supervisor who stated that they would remove it. Experian seemed more interested in keeping my Credit Score low instead of updating and removing several accounts that have already been closed bt XXXX   and XXXX. This is the main reason why others and my Scores are stagnant, because they fail to do an accurate update. All conversations have been recorded that shows that Experian do not want to update my account with the correct information. Credit is important so stop being a hindrance for 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 non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ON XX/XX/13 I PAID MY TOTAL CHILD SUPPORT OFF THE AMOUNT WAS XXXX I NEVER RECEIVED A CLOSE OUT LETTER BUT I RECEIVED A STATEMENT THAT SAID THAT THE BALANCES WAS CLOSED OUT. ITS SHOWS UP ON EQUIFAX AS NO ACTIVITY BUT A XXXX BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
HELLO WAS TO THE BRANCH OF WELLS FARGO TO ASK FOR INFORMATION ABOUT ANY QUANTITIES THAT WERE OPEN IF MY AUTHORIZATION ACCOUNTS CHECKS AND SAVINGS WITH PENDING BALANCES PLEASE ELIMINATE ANY OPEN ACCOUNT TO MY NAME HAS NEVER HAD RELATIONSHIPS WITH WELLS FARGO THANK YOU. 
CALL MY 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 2019-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: FL

Complaint narrative:
Americollect acct # XXXX this account has been paid Americollect has not responded back as a validation of my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account GMFNANCIAL Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was delinquent when I was contacted by Discover in XX/XX/XXXX. I set up a payment plan with the understanding that this would bring my account current. I've made my payments as required since that date. I logged into my free FICO score in XX/XX/XXXX and was surprised to see I've been reported to the credit bureaus as delinquent every month since I entered the plan. I called Discover and asked them to explain and they said well you were still delinquent. I asked them if this was explicitly disclosed to me when I entered the plan they said no. They explained how the payments would work again but said they don't explicitly say we're going to keep reporting you to the credit agencies. I feel this is a deceptive and abusive collection practice. If I had known I would be reported to the credit agencies I would have found a way to bring myself current instead of enrolling in a program I thought was doing the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 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: NC

Complaint narrative:
I recently received a copy of my credit report and noticed fraudulent accounts listed on my credit report. I am a victim of identity fraud and my information was obtained to open fraudulent accounts. I request this fraudulent information be blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I write to file a complaint against Equifax for their failure to provide ( as required by law ) a free credit report in XXXX. 

I requested my free credit report from Equifax on XX/XX/XXXX. 

I used the toll-free phone number to make the request ( XXXX ). 

I did not receive my report. I called Equifax on XX/XX/XXXX and I was told that they never received any request for my credit report. 

As I have used the toll-free number to request my free credit reports from the other services ( XXXX  and XXXX  ) without experiencing any problems, I believe that Equifax is being less than forthcoming with regard to their failure to provide me the required free annual credit report. 

This is the second year that Equifax has failed to provide me with my free annual credit report as required by law. 

I file this complaint with the hope that the CFPB will ensure that US Law is enforced and that Equifax follows the law to the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
Dear Mr. or Ms . I made the mistake of taking a loan out with this company, I was approved for a {$600.00}. I was told online that there would be a smaller finance charge, steep, but I agreed. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, 649.9988 % and that the total repayment amount for my {$600.00} loan would be a whopping {$3400.00} I had not been informed of the 650 % interest rate on the loan, and I was told there would be a {$350.00} finance charge, not {$3400.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. To this date I have paid {$560.00} ( in only 7 weeks ) for the {$600.00} loan. I was also told this would be bi-weekly payments and not weekly. I feel like I was totally mis-lead about how much this little loan would cost me. I am willing to pay this off with a reasonable amount of interest. Thank you for your time. I did not realize this was such a scam or I would have never accepted this. They sent me an email stating that I now owe them : XXXX wrote : XX/XX/2019 XXXX AM To You XXXX XXXX, Thank you for your email. Our records show your account is fully past due in the amount of {$1300.00}. There are currently no payment arrangements for your account. We are able to divide this balance into 7 smaller payments of {$180.00} to assist you in your efforts of paying your loan in full. Thank you for choosing XXXX XXXX XXXX. 
Disclaimer : XXXX XXXX XXXX , XXXX  is an entity formed under the laws of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reservation of Montana ( the Tribe ), a federally-recognized and sovereign XXXX  XXXX Tribe. XXXX XXXX XXXX , XXXX  is wholly-owned by the XXXX. XXXX XXXX XXXX , XXXX is a licensed lender authorized by the Tribes Tribal Regulatory Authority. 
This is not acceptable. I am willing to settle for a reasonable amount of interest. I have paid back 95 % of the borrowed amount. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ORG GC GP BUYER, LLC
State: KY

Complaint narrative:
Gc Services garnished my whole payroll check! my first check since XXXX. I received no notice, no warning it was just taken. the account was not in status for garnish. They were only allowed to take 15 per cent from payroll stated from one of their customer service rep. also Legal aid stated that also to me. It was a paper check, no bank involved, therefore they did no bank levy. It was intercepted from IRS. I Would like my funds reimbursted. Date taken XX/XX/XXXX. Amount of check XXXX. I RECEIVED NO DOCUMENTATION FROM THEM before or after. I called GC services company and made payment arrangements, so this wont happen again. I called KY State treasurer,  IRS, Department of Education, XXXX, XXXX XXXX, GC services about this issue and no one would or could assist me.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX/XXXX  not my account deceased fathers account with same name

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 2019-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX/XXXX XXXX not mine deceased father same name

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