vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I have two different student loan companies that have serviced me in the past as well as currently with my academic studies , College Foundation and XXXX  XXXX  XXXX. My complaint is for College Foundation ( CFNC ). I have a letter dated from CFNC XX/XX/XXXX that states that my forbearance was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. I also have a second letter showing that my deferment was approved from the dates of XX/XX/XXXX through XX/XX/XXXX. Although my forbearance was approved from XXXX, CFNC reported a total of 14 missed payments to all three of my credit profiles recently! I have contacted CFNC on a number of occasions and have even disputed the inaccuracies through the credit bureaus and all of them have come back as the information being valid when I have a letter from CFNC on their letter head stating otherwise. If my forbearance was approved for that time frame XXXX, there should only be 1 late/missed payment reflected for the gap between XXXX and XXXX of XXXX, not 14 missed payments. This is severely important to me because I am in the process of trying to purchase my first home and this correction could really boost my score. I also tried explaining to CFNC that although they are different from XXXX   XXXX   XXXX, that I have had the exact same issue with them that has since been resolved but CFNC is unwilling to assist their customers on these inaccuracies. I would also like to mention that CFNC and their processes are severely outdated. All information must be handled via fax or by mail, they don't allow any of their information to be updated online which could have originally avoided all of the reporting issues of me being late due to an invalid address they had in their system years ago. I would also like to say that if it wasn't for my persistence, I wouldn't get anywhere due to the unwillingness to help by their customer service agents answering my calls each time. This last time, I refused to hang up until I spoke with a supervisor which resulted in a 52 minute hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: FL

Complaint narrative:
I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.

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 2019-08-09 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: FL

Complaint narrative:
I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: DISCOVER BANK
State: NY

Complaint narrative:
To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a DISCOVER CARD. This application was submitted on XX/XX/2019. I did not submit or apply for a DISCOVER CARD at that time. Once I realized this was a fraudulent use of my social security information I notified DISCOVER on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called DISCOVER notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc.
State: CO

Complaint narrative:
I have medical Bills on my credit report from the Bureau of Medical Economics that I shouldn't owe. I was visiting Arizona from Colorado and I ended up having a ruptured XXXX XXXX  that I had to get seen for in the hospital. I had Colorado Medicaid at that time and I never even recieved an original bill stating that I owed anything. I found out by lookin at my credit report. Having this on my credit is impacting my score and life negatively. Please help me get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 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: NJ

Complaint narrative:
I send in a dispute request for all 3 credit bureaus ( XXXX, XXXX  & Transunion ) to update the XXXX  balance to {$0.00} or remove the account as the XXXX  sent me a 1099-C to pay taxes on the debt that was owed/ XXXX  verified the balance that issued in my 1099-C form on XX/XX/XXXXwhen the issued a cancellation of debt let to me back XX/XX/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 2019-08-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I send in a dispute request for all 3 credit bureaus ( Equifax, XXXXn XXXX XXXXn ) to update the XXXX balance to {XXXX or remove the account as the XXXX   sent me a 1099-C to pay taxes on the debt that was owed/ XXXXE verified the balance that issued in my 1099-C form on XXXX XXXX when the issued a cancellation of debt let to me back XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I send in a dispute request for all 3 credit bureaus ( XXXX  Experian XXXX XXXX ) to update the XXXX balance to XXXX} or remove the account as the XXXX   sent me a 1099-C to pay taxes on the debt that was owed/ XXXX verified the balance that issued in my 1099-C form on XXXX XXXX when the issued a cancellation of debt let to me back XX/XX/2018.

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 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
I have disputed this item on my credit report and won several times. But Enhanced Recovery Company keeps reporting it each time with a newer account opened date. Currently it is XX/XX/XXXX. I have called XXXX, the original credito, r and they gave me an account number. They said it was closed in XX/XX/XXXX, this was the year of my divorce so I assume it was opened by my ex-wife fraudulently. XXXX will not verify any other account info because my info does not match what they have on file. Either way, an eight year debt is too old to show up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a XXXX XXXX. This application was submitted on XX/XX/2019. I did not submit or apply for a XXXX XXXX at that time. Once I realized this was a fraudulent use of my social security information I notified XXXX on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called XXXX notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a XXXX CARD. This application was submitted on XX/XX/2019. I did not submit or apply for a XXXX CARD at that time. Once I realized this was a fraudulent use of my social security information I notified XXXX on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called XXXX notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.

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 2019-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mortgage modification denied. VA representative was told the mortgage servicer stated I make too much money and is forcing me on a forbearance plan at almost double my normal mortgage payment. My normal mortgage payment is {$1800.00} and the forbearance plan offered is for {$3000.00} for 12 months. I make approximately {$4500.00} a month on average with my VA XXXX income included. Their underwriter obviously does not know how to calculate income. I have notified Senator XXXX and Congressman XXXX office of the violations as well. This has been going on for over 8 months now and they have been charging me unreasonable fees with people showing up to my front door asking me if I need their phone number. This is on top of them calling me virtually every day harassing me to make the {$3000.00} payment which I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My checking account at M & T Bank showed an unauthorized international ATM charge for {$290.00} and an International Fee of {$8.00} dated XX/XX/XXXX. I did not authorize or make this ATM transaction. I did not give out my pin. I had my ATM card with me at all times. There is only 1 ATM card for this account. I submitted a Claim ( M & T claim # XXXX ), by phone, to M & T on XX/XX/XXXX stating all this. On XX/XX/XXXX M & T sent me a letter saying they denied my claim. Further, they stated : " The information and any documents we relied upon in connection with our investigation are available upon request. '' I have requested this information 5 times - 2 separate letters ( XX/XX/XXXX and XX/XX/XXXX ), 2 phone calls ( XX/XX/XXXX and XX/XX/XXXX ) and one interaction ( XX/XX/XXXX ) with Mr. XXXX XXXX, Senior Relationship Manager - XXXX, NY branch of M & T Bank. None of these 5 requests have resulted in any action by M & T. They have completely ignored my 5 requests. I can prove, with receipts during my travels on XX/XX/XXXX where I was. I need the bank to do one of two things : Either send me the evidence ( country,  city, address, local currency, time of ATM transaction ) OR admit they have no evidence and send me a check for {$290.00}. Please note that this fraudulent charge on XXXX/XXXX/XXXX is part of a continued hacking attack on my checking account. In total I have had 19 fraudulent attacks. M & T has honored all my claims of fraud with this one exception. Clearly my account was hacked. Clearly M & T knows this. I need the evidence from the XXXX/XXXX/XXXX ATM transaction. And, I have now pulled all the money out of this account and I have closed the account. End of statement.

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 2019-08-09 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: NJ

Complaint narrative:
In XXXX and XXXX of 2019 I requested verification of an alleged debt owed by me to XXXX XXXX account # XXXX XXXX XXXX I was responded to repeatedly with verified as accurate. I then disputed directly with XXXX XXXX and was told that I dont have any accounts with them. I would like to know why these accounts continue to be reported on my credit reports and how they are being verified if no such accounts exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Recovery Solutions
State: OH

Complaint narrative:
Received a voice mail from XXXX on XX/XX/19 stating I had pending debt in their office and it was best interest for me or my attorney to contact them at XXXX. Called on XX/XX/19 and I spoke with XXXX XXXX I emailed her proof I no longer owe this debt and it was paid and she is still calling stating I do. Also, having this robo call as stated above calling my kids, husband, in-laws.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-09 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello! I changed my name legally in 2016, and I provided the credit bureaus ( XXXX, TransUnion and XXXX ) with my court ordered name change via certified mail. I have been trying to apply for apartments with people asking why isn't not pulling up. I have even been declined a prepaid Visa credit card due to this and it's ruining my life. I went to the Social Security office in NYC and they told me that I should report the credit bureaus. I am credit invisible. Please help!

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 2019-08-09 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello! I changed my name legally in 2016, and I provided the credit bureaus ( XXXX, XXXX and Exoerian ) with my court ordered name change via certified mail. I have been trying to apply for apartments with people asking why isn't not pulling up. I have even been declined a prepaid Visa credit card due to this and it's ruining my life. I went to the Social Security office in XXXX and they told me that I should report the credit bureaus. I am credit invisible. Please help!

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 2019-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Fraudulent Auto Loan Company or Organization : Navy Federal Credit Union Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$30000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I recently paid my mortgage in full in which I had a loan through M & T Mortgage. I requested a payoff quote a few months ago and there were specific wire instructions that I had to follow explicitly. The wire was submitted on XX/XX/2019. I received a notification that M & T reported my account as closed and delinquent on XX/XX/2019. This dropped my credit score by 72 points. I was livid. Of course, I contacted M & T immediately and was told that because my payment was received on XX/XX/2019 that I was 30 days delinquent. When I know that M & T doesn't report until the first day of the following month. I'm not sure what the motive is, but I need this corrected immediately. Can you imagine paying your mortgage for 20 years on time each month and the mortgage company reports you 30 days late on your final payment? M & T made it as difficult as possible to wire the funds. My bank attempted to wire the funds several times until I finally took the letter to the bank and we literally wrote everything on the wire submittal several times in several different areas. At that point M & T had no choice but to accept the wire. I called M & T on the day at the time the wire was sent to verify that it was received, and I have a receipt from my bank. It states on my credit report that I was delinquent, paid on time, and consumer closed account. Versus stating paid in full. I did not close the account and I was not delinquent ; I paid the account off over a 20-year period. I would like this correct immediately to state paid on time and paid in full.

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 2019-08-09 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: MN

Complaint narrative:
For greater than one year I have repeatedly requested that Experian remove XXXX XXXX  's reporting of three foreclosures occurring on the same property in XXXX when the debt was fully satisfied in XXXX. I have made formal written requests and have contacted both by telephone. They both indicate it is the other Company 's fault. The attached pdfs include a letter from XXXX XXXX acknowledging the error and blaming Experian. Also attached, in a dispute to XXXX XXXX, is the contact from Experian that stated that XXXX XXXX keeps verifying the information. My dispute of XX/XX/XXXX was again confirmed as accurate on XX/XX/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 2019-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I tried to open a Citibank savings account on XX/XX/2019. I completed the process and sent {$100000.00} via ACH. Citibank requested more information so I responded per the attached. The fraud department decided to close my account and only paid interest for one month. I've called numerous times to get my money back and no one has been able to help me. I spoke with FOUR people on XX/XX/XXXX and the last person, XXXX, said the fraud department was holding my check due to their inability to verify my address. As you'll see from the attachments I gave them everything they requested,.

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 monetary relief