vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I am a XXXX veteran, I have been XXXX XXXX since XXXX. I went to school back in XXXX. I applied for student loans and was given student loans by the department of education. I finished and graduated. I was contacted by a student loan provider to make payment on my student loans. No problem I made my payments from roughly XXXX until currently. I was never late. Kept everything current. I was contacted in XX/XX/XXXX by my student loan provider ( Nelnet ) that I may be eligible for XXXX ( XXXX XXXX XXXXXXXX ). In XX/XX/XXXX I filed the paper work. On XX/XX/XXXX, I was awarded XXXX. Because I was permanently XXXX before I went to school I was informed that the current balance would be forgiven as well as repayment of all the payments I had previously made. I contacted Nelnet, they stated yes I was to be repaid all of my payments but there was no time table for when that was going to happen. I waited. I have not received anything, nor been contacted. It has been 40+ days since I was awarded XXXX. I recalled Nelnet. They informed me I needed to talk to the department of Education. I called them they redirected me back to Nelnet. And they stated they do owe me my payments ( $ 15,000+ ) but they did not have a time frame of when they will repay that. This is ridiculous!!!. If I owed them money I have interest, late fees, and it affects my credit rating. But when they owe you money their is no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: TN

Complaint narrative:
Equifax has failed on multiple occasions to properly conduct and investigate/re-investigate errors on my credit report over numerous attempts sent to them by certified mail. Specifically failure to correct incorrect and unverified information. As of XXXX XXXX the following bellow unverified/re investigate requests have not been properly made by Equifax XXXX XXXX XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late in XX/XX/XXXX which is incorrect and unverified. 

XXXX XXXX This account was paid through XXXX XXXX  the previous bank that owned the account. I have asked the creditor and the credit bureau to provide physical proof of this debt on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being unverified. None of my on time payments are showing on this account. 

XXXX XXXX XXXX The payments on this account have been changed over and over. It had showed all payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time Equifax says the account has been verified. Clearly it is unverified because the payment history changes every month. 

XXXX XXXX XXXX date open XX/XX/XXXX date closed XX/XX/XXXX Failure to report any on time payments in this time frame. Incorrectly reporting past due payments. Failure to provide physical verification as requested. 

XXXX has sent a letter requesting an inquiry on XX/XX/XXXX be removed due to the fact that is was not authorized/ run in error and they still have refused to correct my report. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. 

Equifax has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. 

I demand that these specific and unverified information be corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: PA

Complaint narrative:
Greetings I have initiated a dispute with EQUIFAX to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Good Afternoon, XXXX XXXX XXXX submitted a fraudulent collection credit item to my Experian and XXXX XXXX credit report. The collection does not belong to me. The date the collection was submitted to my credit report was XX/XX/2018. I tried several times to resolve this issue with the collection agency and credit bureau. XXXX continues to report the fraudulent collection and continues to increase the amount of the fraudulent debt every month. The original amount reported was {$3000.00}. As of XX/XX/2018, the debt now shows an amount of {$3400.00}. I sent letters to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/2018.  XXXX continues to send documents stating the account is mine that doesn't bear my signature authorizing the debt. I've sent letters to Experian on XX/XX/XXXX and XX/XX/2018. I've sent a letter to XXXX XXXX on XX/XX/2018, Experian continues to send me a credit report stating outcome updated. The comment written under the collection states account information meets the FCRA requirements. XXXX XXXX removes the collection debt twice, then place it back on my credit report. I never received any documents from XXXX XXXX regarding my credit letter I sent them on 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 2018-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Greetings I have initiated a dispute with TRANS UNION to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA 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 2018-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently reapplied for mortgage assistance this month. I was denied because Chase said that I was offered 2 trial payments, which I did not accept. First, I made and completed the trial payment of {$500.00} during XXXX to XXXX. I was told that I would be locked in at that payment. However, every time I called Chase I was told to reapply and reapply and that documents were missing. This nonsense went on for some time. Over the years, I have been wrongfully denied modifications. After I contacted Consumer Financial i believe in XXXX, Chase fictiously created a trial payment plan to cover their tracks. In XXXX, I think, I was given an outrageous modification plan that I could not afford. Around XXXX of this year, my relationship manager, XXXX XXXX, told me to reapply with my new income since I was now working. I was denied this month and I called to speak with the ReApp team. One guy told me that the investor which was FHA said no to the modification request. I asked him for a contact number so I could speak with someone directly. He gave me the number on the Website, which doesn't offer any information. After having to research a number on my own, I spoke with a rep from the Service Center. I told him that I would like options to leave the house and I was told by the lender to speak with FHA because Chase indicated that FHA made the deciding decision. The FHA representative told me to call Chase back and ask for them to consider me for options that involve leaving the home such as short sale and deed in lieu. The rep also said I should consider selling the home myself. When I called back, I was told that since I was recently denied this month and no change in circumstances, I don't qualify for a new application. I tried to tell her that FHA said to consider me for other options. I was then transferred to Escalation Team who reached out again on my behalf. The decision was the same. As I stated in numerous complaints against Chase, Chase has lied many times over. Now, Chase is using a fictious trial payment against me. I completed 1 trial payment successfully. I think I deserve an extension of my foreclosure so that I can explore short sale or deed in lieu. I would like to leave this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My wife and I went to purchase furniture, when it came time to checkout we applied for a credit line to pay for the items. When some of the items were delivered they were damaged we were also missing some of the items we purchased. They billed us for everything. We ended up not keeping any of the furniture, I have made many attempts to resolve this matter with them yet we haven't gotten anywhere other then them showing a XXXX  balance. I should never have been billed in the first place.

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
Consumer complaint received 2018-08-23 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: TN

Complaint narrative:
It has been over 90 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681.

This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: CA

Complaint narrative:
Agencies correectly report charge- off ( re disputed insurance claim ) XX/XX/XXXX Where they fail to comply with FCRA and other state and federal law is in showing activity on the account ( sometimes current or late payment, and or repetition of the charge- off info falsely showing as occuring in current month ) after the date of the charge- off NOTE : This is NOT a duplicate of previous CFPB complaints filed against the creditor, XXXX. This is also NOT an authorization for agencies to pursue this through their creditor dispute procedures. The agencies are specifically directed NOT to pursue this with the creditor. The dispute and complaint is NOT with the creditor, XXXX, but with the agencies- XXXX  , Equifax and XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I filed bankruptcy chapter XXXX XX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my Transunion credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.

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 2018-08-23 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: AES/PHEAA
State: MS

Complaint narrative:
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: ME

Complaint narrative:
Please reference case # XXXX closed XXXX. Again, I do not owe the balance in reference as on three separate occasions the sewer backed up in the 2nd floor bathroom. Please see case notes from the XXXX XXXX XXXX below as the case was dismissed. 


Case Type Housing Court Summary Process Case Status Closed File Date XX/XX/XXXX DCM Track : Initiating Action : SP Summons and Complaint - Non-payment of Rent Status Date : XX/XX/XXXX Case Judge : Next Event : Property Address XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Plaintiff Alias Party Attorney Attorney XXXX, XXXX, XXXX A Bar Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone Number ( XXXX ) XXXX More Party Information This is tooltip Text. It should display nicely. 
XXXX, XXXX - Defendant XXXX XXXX Attorney Attorney Pro Se Bar Code PROPER Address Phone Number More Party Information This is tooltip Text. It should display nicely. 
Events Date Session Locality Location Type Result XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Summary Process Trial Dismissed Docket Information Docket Date Docket Text File Ref Nbr. 
XX/XX/XXXX XXXX XXXX : Entry of Action filed ( Section XXXX - M.G.L. XXXX XXXX, XXXX ) SURCHARGE Receipt : XXXX Date : XX/XX/XXXX XX/XX/XXXX Summary Process : MGL Chapter 185C Section 19 ; Chapter 262 Section 2 Receipt : XXXX Date : XX/XX/XXXX XX/XX/XXXX SP Summons and Complaint - Non-payment of Rent XXXX XX/XX/XXXX Notice to quit filed XXXX XX/XX/XXXX Scheduled Event : Summary Process Trial Date : XX/XX/XXXX Time : XXXX XXXX Result : Dismissed XX/XX/XXXX Event Resulted The following event : Summary Process Trial scheduled for XX/XX/XXXX XXXXXXXX XXXX has been resulted as follows : Result : Dismissed Reason : No one appeared Appeared : XX/XX/XXXX After notice and opportunity to appear for the following event : XX/XX/XXXX XXXX XXXX Summary Process Trial the above entitled matter is dismissed for the following reason ( s ) : * Neither party appeared.. XXXX XX/XX/XXXX Case Disposed Case Disposition Disposition Date Dismissal XX/XX/XXXX XXXX XXXX XXXX  XXXX an equivant company , XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have A TD Bank on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and TD Bank to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be inaccurate. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: ACS Education Services
State: MS

Complaint narrative:
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( coduent  )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: Byrider Franchising, LLC
State: MS

Complaint narrative:
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1  ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX  )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation