vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I use XXXX XXXX and was notified today XXXX that someone accessed my credit score without my consent.

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 2018-03-21 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: PA

Complaint narrative:
Good Morning, On XX/XX/XXXX my loan payment of {$590.00} was due. A payment of {$400.00} was made on XX/XX/XXXX and {$190.00} on XX/XX/XXXX satisfying this payment. 

A few days before my due date I received an email advising I owed {$400.00} to my XX/XX/XXXX payment. 

On XX/XX/XXXX, I called XXXX XXXX at XXXX and spoke to a customer service representative after reviewing my payment history and could clearly see the issue was what the company did with the XX/XX/XXXX {$400.00} payment. The representative checked my records which was expected but after a good amount of time passed I felt as if he was looking for any reason to make the issue my fault. However, he could not find an issue and I was advised he would submit an action to have the {$400.00} credited to my XX/XX/XXXX payment. This would take 7-10 days. 

On XX/XX/XXXX, I called XXXX XXXX at XXXX and spoke to another customer service representative as the {$400.00} was not credited to the XX/XX/XXXX payment in the time period advised and my XX/XX/XXXX bill was showing I owed a payment due of {$990.00} and not the regular {$590.00} on XX/XX/XXXX. She advised that the other representative did put in to have the {$400.00} credited to the XX/XX/XXXX payment but it would take much longer for this to be credited with a timeline of 4-6 weeks. 4-6 weeks?!?! What financial institution, business, or otherwise takes 4-6 weeks to make account related changes? 

Full disclosure this is not my first issue with XXXX XXXX and have had to stay on top of my student loan account due to the amount of mistakes they make in servicing my loan. Most are minor in example not processing an ICR plan reapply in an attempt to get my spouse to sign paperwork on my loan despite having all of my loans prior to being married. 

However, considering the issues and my status of applying for loan forgiveness I believe these issues are related to cause issues down the road when applying for the forgiveness. 

At this point I feel I have no other option but to file a complaint with the CFPB every time I have an issue because there is no other real recourse for XXXX XXXX actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC
State: GA

Complaint narrative:
We fell a little behind last year from a financial hardship, we applied for a loan modification with 360 Mortgage ( servicer of our VA loan ), as we were in the process we were impacted by Hurricane Irma and placed into a forbearance to offer relief. 

After the forbearance ( most other mortgage servicers assisted with disaster modifications by placing the payments in the loan ) but 360 Mortgage did not but forced us to apply as a normal loan modification application. 

My initial application was sent in on XX/XX/XXXX ( it takes 360 mortgage 7 to 10 days to receive and review a document and let you know if it is all they need or to send something else in ) other servicers like XXXX XXXX do this within 24 hours. So then I followed up and on XX/XX/XXXX the requested more documents and I sent in 30 additional pages. Then I followed up and on XX/XX/XXXX I sent in 14 more pages and though surely this be a complete package so my application can go to underwriting and they can place the foreclosure on hold to not violate the dua tracking restriction. 

I kept following up and on XX/XX/XXXX they need more so I send in 45 additional pages thinking this has to be it since what they claimed was above what was asked for before. 

I follow up and on XX/XX/XXXX they need more which they did not ask for before so I send in 45 more pages 360 Mortgage is making the application process so strenuous with the intent of denying me the opportunity of having a complete package so per the CFPB guidelines my sale can be placed on hold while the review is conducted. 

I also received a debt validation letter from the foreclosure attorney on XX/XX/XXXX despite the fact there was already a foreclosure sale date set. I filed a dispute but to no avail as the attorney says their client ( 360 mortgage ) will not agree to stop the sale even though they are in the wrong. 
My VA representative and loan technicians supervisor stated they requested a post ponement from 360 mortgage but they refused to do it. 

This is a violation of many regulations and also violating the Fair Housing Act by refusing to accept and discriminating against my VA military XXXX as valid income even though I provided a valid VA XXXX award letter and 2 months bank statements showing the deposit into the bank. 

360 mortgage is doing nothing more than a bank does when they don't want to approve a mortgage, they just keep making up more and more requirements so it is impossible to get approved. 

My wife and I are XXXX US military veterans whose only income is from XXXX and have served this country. We would appreciate help by having this sale post poned so we can be reviewed for loss mitigation options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: NY

Complaint narrative:
I have an ongoing dispute with XXXX. I believe my federal loans were inappropriately capitalized, adding over {$19000.00} to my loan amount. I have disputed this with XXXX and they have been reviewing it for over a month, no one can explain or give me a response. I have supporting documents as well. I submitted my recertification paperwork 1 month early. I was forced to do it by paper because XXXX had not updated my name change despite submitting the paperwork needed over 4 months prior. The day before I was notified that there was an issue with the recertification my interest was capitalized. 5 days after receiving the notice that there was an issue with my recertification paperwork, I was able to recertify online ( since my name had finally been changed ) and was officially recertified for IDR for the upcoming year. My plan was never changed, I never had to go into forbearance and yet they capitalized my interest before my plan actually had to go into forbearance. Below is the timeline of events : XXXX : call and file upload of name change and supporting documents, name never changed and unable to file IDR online because name was not correct XXXX : paper IDR request submitted XX/XX/XXXX : last day to submit IDR request XX/XX/XXXX : interest capitalized ( {$19000.00} ) XX/XX/XXXX : IDR Denied ( via message, 1 question not answered per XXXX ) XX/XX/XXXX : new IDR submitted online, called XXXX and would expedite XX/XX/XXXX : new IDR approved XX/XX/XXXX : new payment amount started ( never payed higher amount, never went into forbearance )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 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: NV

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, XXXX XXXX. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by XXXX XXXX. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from XXXX XXXX including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. XXXX XXXX is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. XXXX XXXX in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. XXXX XXXX is attempting to collect on a debt that they purchased ( XX/XX/XXXX ) from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.

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 2018-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I started a dispute with XXXX stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX of Resurgent Capital is continually reporting negative information to the credit bureaus that should not be on my credit file. I have disputed with the Credit Bureaus, 2 bureaus have removed the collection. Also according to the State of Florida neither company is registered to do collections. I have attached the pictures from our State website. Unless this company can provide a signed contract where I XXXX XXXX owe this debt and proof their license are active in Florida these collection account needs to be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Happened during the end of 2015. I noticed using XXXX XXXX that a card was opened under my name from American Express with me owing over {$12000.00} called American Express numerous times to close this account and tell them it is a fraud card not opened bymyself kept opened for over few months period. Calls range from XXXX hour XXXX times of the week to just keep following up why they still have this card opened. They kept telling me that I am paying the bill for this credit card and that I was unable to close the account. They wanted me to go to XXXX XXXX XXXX which is where the payment is coming from to verify the name on account to ensure it is not me. I dont even bank with XXXX XXXX XXXX so they will ignore me. I give calls backs and forth to Amex Express and XXXX. Amex needs a letter stating from XXXX that myself do not have a bank with XXXX and I am not the one paying for this Amex account. XXXX was unable to do it back and forth. I had to speak to a higher up to confirm that I do not have an account with XXXX and get that letter notarized and faxed to Amex. Amex would tell me they never received my fax multiple time and say no update each day. 

I opened a case with XXXX because this was not going anywhere and had a person specifically to handle this case. After 2 additional months they realize that they linked to same name to one profile and has been sending my statement for the past XXXX months to the wrong address. And nothing could be verified on my end because my address was different. I started to receive the other party with same first name new credit card and hes been getting mine. This was during the transition from XXXX leaving Amex to go with XXXX XXXX card. 

My credit card score dropped from almost XXXX to XXXX due to this. They fixed it by submitting it to all the credit bureau that this was not my credit card but its still an issue today. Which is now 3 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I started a dispute with XXXX stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: MD

Complaint narrative:
I started a dispute with Experian stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from 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 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/2017 AR Resources Inc. placed an account for the amount of { {$960.00} } and ( {$1400.00} ) on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documentation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is attempting to collect on. Furthermore, this dept. appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA. 

Also on XX/XX/2017 AR Resources Inc. placed an account for the amount of { {$1400.00} } on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documentation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is  attempting to collect on. Furthermore, this dept. appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: OH

Complaint narrative:
After finishing graduate school, I called Navient ( then XXXX XXXX ) regarding setting up an income based repayment plan for my loans. Instead, they put me into an interest-only payment plan and told me that I was eligible for debt forgiveness after 10-15 years of steady payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have repeatedly disputed the accuracy of reported debt to XXXX the last 2 dates are XX/XX/XXXX and  XX/XX/XXXX The accounts disputed were XXXX XXXX reporting an {$840.00} balance and XXXX XXXX with a balance of {$490.00} which is not accurate. Therefore should be removed. They do not notify me at all not by paper letter or electronic. When I spoke to XXXX   they simply said they verified the account was mine, no mention of the balances date of accuracy nothing. My lifestyle is being impacted by their negligence to report my credit file accurately. FTC laws are suppose to protect consumers from this type of activity and behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have repeatedly disputed the accuracy of reported debt to Transunion the last 2 dates are XX/XX/XXXX and XX/XX/XXXX. The accounts disputed were XXXX XXXX reporting an {$840.00} balance and XXXX XXXX with a balance of {$490.00} which is not accurate. Therefore should be removed. They do not notify me at all not by paper letter or electronic. When I spoke to TransUnion they simply said they verified the account was mine, no mention of the balances date of accuracy nothing. My lifestyle is being impacted by their negligence to report my credit file accurately. FTC laws are suppose to protect consumers from this type of activity and behavior.

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 2018-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I have been trying to get off my Ex-Husband 's HELOC with Bank of America for two years. His name is the only name on the note it'self. My signature was required because Michigan was a dower state at the time. My name was on the application only which had expired. I have written several letters and my ex-husband has called several times. He has been making the payments for 9 years. Bank of American refuses to take my name off. The note is from a lending company that no longer exists. They want him to refinance which costs money. They will no longer respond to any of my requests.

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 2018-03-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As I write this I am in tears since being victimized by IDENTITY THEFT in XX/XX/XXXX and the credit reporting agencies failing over and over and over to remove fraudulent attempts to apply for credit because XXXX  breached my identity and they now have my : DOB SSN Current Address All three of the credit reporting agencies were sent VIA FIRST CLASS MAIL a request for 7 yr fraud alert along with copies of the XXXX Police Report filed after my identity was stolen. To date, none of them have put this 7 year fraud alert, and when the 90 day alerts expire, that is when the flood of fraudulent applications appear again as hard inquiries, which continue to plummet by FICO score and I have had to spend hours and hours with the creditors to tell them I did NOT apply for credit, or I have to cancel credit cards that have been used online fraudulently. I have gotten to the point where I have chosen to cancel credit cards because the banks that represent them have failed to secure my identity, and continue to let applications through even though their are security freezes and fraud alerts on all 3 credit reporting agencies. 


I had an average credit score of over 800 prior to XXXX ruining my score which has plummeted 25 points and higher because they REFUSE to remove the hard inquiries. 

I have screamed at XXXX and they said that they are EXPERIAN inquiries, and you have to contact them,, over 120 days ago I did just that after being flooded with letters from creditors saying they turned down my credit because of too many inquiries and applications for credit that I DID NOT do. 

prior to EXPERIAN being notified I was told I could put a security freeze, which I do have in place BUT they still have refused to remove the hard inquiries and now my FICO score has dropped 25-40 points since XX/XX/XXXX 

Now I am considering legal action by going to XXXX XXXX XXXX  reporters to help me get them to do their jobs and when the Trump Administration 's XXXX, your new Director dropped the complaints and investigation with CFPB on XXXX data breach and I am livid about that. 

I can't get any credit because after months the hard inquiries are still on my report. Experian told me they would do an investigation and remove them! They've done nothing expect ruin my life since I have to field weekly calls, letters, and emails stating I am applying for credit and is this fraud? 


that 8 hard inquiries were fraudulent and I provided a POLICE REPORT, I provided correspondence to make the 90 day fraud alert, permanent for 7 years

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