vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
/n May of 2018 I disputed An account on my Transunion credit Report. The listing was XXXX XXXX XXXX XXXX. In XXXX Transunion responded back saying the account was verified and accurate. Well On XX/XX/2018 I wrote Transunion a certified letter asking for the Method of verification per the FCRA 611 ( A ) ( 7 ) I am entitled to see as for I am the consumer. I have enclosed a copy of the letter that was sent to Transunion on XX/XX/2018 and I attached a copy of the certified mail receipt and a copy of the delivery notice that Transunion received the letter on XX/XX/2018. they have 15 days to respond to the letter. well today is XX/XX/2018 and Transunion has failed to respond to my letter/dispute. I am legally authorized to take Transunion to court and sue for the action- failing to respond to my written dispute with in 30days. Violation consumer protection afforded by the FCRA I am entitled to {$1000.00}. Legal Jurisdiction- FCRA Section 611 Part ( A ) ( 1 ) I will take this to a federal court Transunion , you have violated my rights and this is ground for removal on this US Bankruptcy Federal, Court that listing inaccurate on my Transunion report. If this account isn't removed immediately from my credit report asap I will go and file a suit and I have all the documentation to prove that I sent a certified letter to your company. and you failed to respond to my letter Todays date it XX/XX/2018 and your company has failed to respond to my request. this is not right and against the FCRA ...

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 2018-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MT

Complaint narrative:
I have been trying to recertify my income based repayment plan for 4 months now. I call twice a month and talk to customer service. I have been told : this is with XXXX XXXX 1. I didnt qualify because I made too much even though I submitted through Dept of Ed and my other servicer Aspire said I did qualify w the same information.

2. I submitted the paperwork twice because they said I didnt submit correctly. Again my other servicer accepted the same information as acceptable. 
3. I paid their XXXX dollar processing fee twice because their system did not recognize I had already done so. Last time I called I was told that they made a mistake and still havent processed my requests. 
3. I was told I would have an administrative forebearance while they fix their mistake. My amounts are still accruing and I am in jeopardy of credit reporting.

4. Every time I have called the service rep says they will work on it and I have not yet seen any movement. 
5. They XXXX XXXX my public loan forgiveness application and I had to call twice to get them to notice they read the dates wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
A supplier sent us an ice maker that we received damaged. 

We contacted the supplier and they replaced the item and said they would make arrangements to pick up the damaged item. 

XXXX XXXX ( XXXX ) came and picked up the item. We never spoke to XXXX or administered the pickup. 

A few months later XXXX sent us an invoice for the shipment ; we contested it and reached out to the supplier to confirm. Both entities said they would correct it. 

XXXX has since been harassing us for payment and involving other collection agencies who despite our supplying documentation, have continued to harass us regarding this erroneous charge. 

I want to make sure it does not impact our credit standing or reflection of reliable payment history. 

Thank you

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 2018-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2018 I called Bank of America to pay off and close my credit card account. I payed over the phone using a checking account from another bank. I paid Bank of America my total balance of {$5000.00}. I asked to have the account closed, and asked the person I was speaking with 3 times if this would then conclude my business with Bank of America. The person I was speaking with advised me that even though the account was closed if I had any recurring charges ( ie XXXX account ect. ) there was " a chance '' ( her words ) that those charges would post to the account and I would be responsible for them. Because I don't have any recurring billing accounts linked to this credit card account, I said " ok '' and assumed that was that. 

Yesterday XX/XX/2018 I received a bill from Bank of America for {$27.00}. I called Bank of America using the phone number at the bottom of the bill ( which turned out to be customer service for checking accounts ) and eventually spoke to a person that told me that the {$27.00} was interest accrued after I closed the account. Because there where days remaining on the XX/XX/2018 billing cycle after the day I paid off my account and closed it, I was still charged interest on the closed account. 

I believe that Bank of America is purposefully murky and misleading as to their practices involving personal credit cards ( as further illustrated by listing the wrong departments customer service phone number on a credit card bill ). I believe that I should not be held responsible for the interest accrued after I closed my account, and that the bank is smart enough to prorate the remains days of interest when a customer attempts to close their account on a day that does not coincide with the start or end of a billing cycle. Even though it's only {$27.00}, I am outraged that the bank has seen fit to charge me XXXX cent after paying off my account completely.

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 2018-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX18 my credit report ( see attached ) displayed some address errors that need to be corrected. 

Incorrect addresses : XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX These items must be deleted. 

Correct addresses : XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NV 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 2018-10-14 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: AL

Complaint narrative:
I received documentation from XXXX XXXX XXXX/XXXX on XXXX XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXX that the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I reported the unauthorized withdrawals or money that was spent and shown in the transactions to my bank, Bank of America. I opened that account in XX/XX/2018 and there have been various amounts from XX/XX/2018 to the present. It's very stressful, sometimes it's only {$3.00} at a time or recently there was a charge to a night club that was about {$30.00}. They're very random and the amounts are odd so I really have to scrutinize to catch it. It was the same when I used 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 2018-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call Equifax after speaking with XXXX XXXX and being instructed by the agent at XXXX XXXX to ask who initiated the dispute they could not provide me with that information. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Integrated Recovery Services
State: OH

Complaint narrative:
I have previously filed a complaint against this company approximately 2 months ago regarding a processing fee that I was not told about. The complaint was responded to by stating I would not have to pay this fee per transaction. This was true for about 2 payments. My payment as of XX/XX/XXXX was charged the fee again. When calling the company I was told they would have never made this statement to me about not charging the fee and I was told a manager would call me back. I called a second time hoping to speak with someone that would look into the file and once again a manager would call me back immediately. No one has called to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I spent the last 10 years working for the XXXX XXXX, XXXX XXXX and making on time payments to my loan. When I called to find out about my loans be absolved because of that reason I was told that my loan wasn't the right type of loan. That's how I was left. They redid my loan payments but that's all. 

Extremely frustrating and unfair that I wasn't told that 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call XXXX after speaking with XXXX XXXX and being instructed by the agent at XXXX XXXX to ask who initiated the dispute they could not provide me with that information. I want this to stop.

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 2018-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call XXXX  after speaking with XXXX svc'ing and being instructed by the agent at XXXX XXXX  to ask who initiated the dispute they could not provide me with that information. I want this to stop.

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 2018-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received documentation from XXXX XXXX XXXX/XXXX on XXXX XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXX that the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.

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 2018-10-14 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: AL

Complaint narrative:
I received documentation from XXXX XXXX XXXX/XXXX on XX/XX/XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXXthat the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.

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 2018-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried to correct this mistake made by equifax 3 times. On XX/XX/XXXX I moved from a house which address was XXXX XXXX XXXX XXXX XXXX Il. XXXX I then contacted all three credit reporting agencies and changed my information, I also have a credit freeze due to being a victim of identity theft. I then received letters from XXXX XXXX and equifax and equifax letter dated XX/XX/XXXX stating my address change. Sometime between that date and XX/XX/XXXX someone from equifax has made a mistake and entered the wrong address on my credit. I have called 4 times have a conformation number of XXXX for my dispute I have faxed the copies they have requested and still my account is frozen. My problem I have applied for credit and can not remove my credit freeze due to the address discrepancy. They have locked me out of my account and when I call and give them my correct address it locks me out. All I want is for equifax to unlock my account and change my address to the correct one which they already have been given which is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXX has been inaccurately reporting a debt of {$690.00} on my credit report. I have received NO correspondence. I have received no LETTERS nor phone calls making me aware of the debt. When taking a look at my credit report I saw that they were an account on there from XXXX XXXX XXXX when I have NEVER had an account with them. I spoke with account collector XXXX and explained the situation to him. He then became snarky and told me there was nothing he could do and they would sue me and garnish my wages. I asked him to please explain to me what charges were made. He gave me a list of charges in my state, BUT that i did not make. I asked him to then mail me a copy of the contract with my signature. He refused and I got upset and asked to speak with his manager. He then put me on hold and hung up. After calling back three times I finally was connected with the Supervisor and I explained to her that I was on limited income due to a parent being killed and being the sole provider of my siblings. I even had to update my CORRECT address after they had the incorrect address on file for me SIGNALING FRAUD! I stay in apartments where my mail and sensitive information is usually passed around. I explained this to her. Im unable to work due to severe XXXX and live on little to no income. On the website it stated that they would forgive or settle if medically unstable. She only said I could get a 20 % discount. She told me I would have to pay {$550.00} of a {$690.00} debt that I NEVER MADE! She then questioned how I would make the payments. She told me if I didnt have a payment made by XX/XX/2018 I would be SUED! I have sent letters and made calls and no one has gotten in contact with me. It is not fair for me to pay on a debt that is NOT mine and that has NO signature of mine on the contract. Again I am severely and medically diagnosed as being a major XXXX. I only agreed to settle to get this off my credit report. These people are heartless!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: CA

Complaint narrative:
XXXX, account number XXXX is wrongfully appearing on my XXXX and TRANSUNION credit bureau reports.I have never ordered or used a XXXX account.It is highly probable that it is the result of identity theft.In early XX/XX/2015 my car window was broken and my purse inside was stolen.The XXXX XXXX Police Department came out and  made a report.Inside my purse was all my ID and credit cards. 
I have had this problem on a number of accounts not opened by 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 explanation
Consumer complaint received 2018-10-14 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: GA

Complaint narrative:
In XX/XX/2018 XXXX XXXX XXXX appeared on my credit report for {$81000.00}. This is not my student loan. Equifax refuses to verify the account and send me proof, provide me with a valid phone number or address for this company and they refuse to remove it. If Equifax will not provide me proof that the account is mine or supply me with a valid phone number or contact information ... .how can they hold me liable for this account? I have been told by Equifax employees to XXXX the company. If this complaint doesnt work I am going to hire and attorney and sue Equifax. Not only for this situation but all of the erroneously reporting they have done on my credit that has caused my credit to suffer immensely. This is a violation of my rights and fair credit reporting. They are required by LAW to provide me with proof this account is mine and contact information.

Company response to consumer: Closed with explanation