vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
PHOENIX FINANCIAL SE XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX USA This company put a collection on my credit report in the amount of XXXX for a XXXX XXXX XXXX XXXX. I do not owe this debt as I get my healthcare from the Department of Veterans Affairs. This company has the wrong person, and this company needs to remove this collection within 3 business days or I'm going to send to the attorney generals office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX, NC ) use Navient to service private student loans. Navient provides misleading information concerning the loan that forces students to pay over 251 payments of {$300.00} a month for a $ XXXX loan. In return, the information is listed on the student 's credit file. The 251 payments for a XXXX  being listed on their credit reports make it difficult to obtain a mortgage, even if the student has a good payment history. It cost over {$75000.00} to pay back an initial {$25000.00} loan. Navient refuses to work with students and make it almost impossible to get out of the loan unless paying it off in full. However, still, the interest is charged daily, so the payoff amount increases substantially before they even apply the payoff check to the account. Next day payments do not even help. The payment amount changes daily. This is what is holding America back. 5 days ago they noted a different payoff of the original payoff which is {$22000.00} onXX/XX/XXXX. Today the new payoff amount is XXXX  and that is a rip off. When I initially called they gave me 10 day payoff amount of {$22000.00}. Today I spoke to XXXX XXXX  the supervisor and she stated that even though they have received it, it has not been processed yet and if it is not processed by the XXXX the payoff amount will increase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 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: FL

Complaint narrative:
This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with 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 2019-03-13 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: FL

Complaint narrative:
This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: FL

Complaint narrative:
This account was paid in full and still it has not been updated to the credit bureaus it's showing that I ower {$890.00} and I don't owe anything on this account. Please update this account and remove any delinquent payment history associated with 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 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: FL

Complaint narrative:
The credit card company has reported 3 late payments on my account from XX/XX/XXXX - XX/XX/XXXX, when I had supposedly been on autopay. My account has no further errors and always remains in great standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I responded to an email from Navient Student Services that my private loans were due for repayment. At that time, I didn't understand what they were referring to, but I was afraid that if I didn't at least pay the amount they were requesting to put my " private students loans '' in forbearance, they were going to put in delinquency on my credit report. So I paid them the amount of {$100.00} they requested to put my " loans '' in forbearance, which I thought it would be until XXXX, but then when I called back on XX/XX/XXXX, they said that the payment was only for a month forbearance and they need another {$100.00} for another month. That's when I decided to ask for the promissory notes they supposedly had, because even then I did not remember requesting any private loans from them. The only loans I have are through the DOE through fedloan. Those loans are legitimate, but these loans with Navient are not. When I received the promissory notes, they confirmed my suspicion, I never made these loan requests. Someone copied these loan requests from when I was at XXXX College from the loans I had through the DOE. The loans from Navient had originated through XXXX XXXX in XXXX, and I never authorized these loans at all. They were all made electronically with an e-signature and I never did that at all with XXXX. And yet Navient still wants their money, they have harassed me with calls and emails left and right AFTER I told them that these loans are fraudulent. And yet the representatives told me that there was nothing they can do because the loans were dispersed to the college during the time I was there. BUT I NEVER REQUESTED THESE LOANS. Also Navient says that a Stafford Subsidized Loan was made by me to XXXX XXXX University in XXXX, and I never went to XXXX XXXX University in XXXX. I went there ON A XXXX XXXX during XXXX. So that is definitely fraudulent and I should not have to pay anything nor be threatened with delinquency at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I co-signed with Ford Motor Credit ( FMC ) for a former business partner, XXXX XXXX. He filed bankruptcy and included the lease in his bankruptcy. FMC never contacted me when he quit paying. It wasn't until I began to refinance my condo in XXXX, XXXX that I was made aware of the debt by XXXX XXXX. I contacted FMC and was told I would need to pay {$1100.00} to close out the lease and relieve the debt. On XX/XX/XXXX, I wired that amount to FMC and released the debt. At that time, they had still not repossessed the vehicle from Mr. XXXX and the lease official terminated in XXXX, XXXX. I also confirmed with the FMC Customer Service Rep that, according to the account/call activity notes, I was never contacted by FMC about the debt. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, a debt collection attorney, on behalf of FMC for an additional {$6700.00} for " wear and tear '' and " excess mileage '' on the vehicle. Again, never contacted. I contend that due to FMC 's willful inactivity on this account to repossess the vehicle at the time of the bankruptcy or the original termination date of the lease, these charges are the result of Mr. XXXX essentially having a free vehicle that somebody else, myself, is liable for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I requested that verification be provided to me for credit inquiries that posted to my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I requested that verification be provided to me for credit inquiries that posted to my credit report. 


XXXX XXXX XXXXXX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXXXX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Mortgage service company Wells Fargo has not sent a form XXXX. They send paper statements monthly but apparently I need to access form XXXX electronically. I went to access the account online as I have done periodically. They have made changes to the online access and I am not able to access the account. In trying to resolve the issue, I have done all the various routines, including forgot username, forgot password, set up electronic access, and called them. When I called, they told me to enter my username as all caps and they would then require me to create a new password. This also did not work. They told me to use XXXX XXXX which I also tried and this did not work. There was no resolution. 

I have also tried to simply enroll using my SSN and the mortgage account number from a statement but it says it does not recognize my information. 

I don't know the situation as to the online access being disabled. I speculate it was related to the access through XXXX being transitioned to another mortgage servicer " XXXX '' provider. In any case, this lack of ability to access my account or get it resolved, and lack of access to my XXXX is unacceptable.

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 2019-03-13 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: FL

Complaint narrative:
The account was paid and still, my credit reports have not been updated an this is impacting my score. Please look at the balance it's showing {$2400.00} and true balance is {$900.00}.

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 2019-03-13 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: FL

Complaint narrative:
The account was paid and still, my credit reports have not been updated an this is impacting my score. Please look at the balance it's showing {$2400.00} and true balance is {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: FL

Complaint narrative:
The account was paid and still, my credit reports have not been updated an this is impacting my score. Please look at the balance it's showing {$2400.00} and true balance is {$900.00}.

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 2019-03-13 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: TX

Complaint narrative:
I am having a very big issue with information reporting on my credit file that is NOT MINE. I have disputed it with all three bureaus and every time I do they add more accounts that are not mine. I realize I have a very common name but they are not validating with these creditors properly. I don't know where else to turn. The are showing medical bills to places I have never been, times I know for a fact that didn't even have medical services. These companies are saying certified THEY ARE NOT MINE!!!!!!!

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 2019-03-13 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: TX

Complaint narrative:
I am having a very big issue with information reporting on my credit file that is NOT MINE. I have disputed it with all three bureaus and every time I do they add more accounts that are not mine. I realize I have a very common name but they are not validating with these creditors properly. I don't know where else to turn. The are showing medical bills to places I have never been, times I know for a fact that didn't even have medical services. These companies are saying certified THEY ARE NOT MINE!!!!!!!

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 2019-03-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I asked for verification that I utilized these services that they reported my delinquent payment Collection : XXXX XXXX. Amount : {$75.00} Original Lender : XXXX   XXXX XXXX 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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i got in the mail a letter from Experian that i had requested a security alert to be put on my credit report on XX/XX/2019. I did nothing of the sort. I did not make this request to have this alert put on my credit report. Attempting to get in touch with them regarding this is almost impossible because they provided no phone number to contact them. Now having found the correct number and discussing this issue with them they are saying that i must provide documentation to them to have the alert removed. I have missed several phone calls for my work while trying to clear this matter up. Experian can not just a will throw alerts on then ask me to send them personal information. 

Supervisor : XXXX Team Name : XXXX Location : XXXX XXXX Representative : XXXX Location : Arkansas Neither were willing to remove this alert that Experian put on themselves without my consent. This is not a burden that i should have to take on. I want this resolved immediately and i want to know when it is done and what will be done to those employees who would not correct the error made by Experian. 

Thanks 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 2019-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: MD

Complaint narrative:
I was accepted for a loan in XX/XX/2018 for XXXX $ We have made 4 payments so far. We were told the interest would be 24 % and now its 34 %. We were told we could make payments online. We have never been able to pay online and have screen shots showing its broke. Each month on the XXXX we must call Lending Club to process the payment. If we do not call on that day they charge a late fee. We want to pay off the loan and or move it but now they are saying we owe XXXX $ to pay it off!!!! We want out of the loan and feel we should not be penalized to pay it off. 

please please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: TX

Complaint narrative:
I recently Sent Experian a letter requesting that the show me their METHOD OF VERIFICATION/description of the procedures used to determine the accuracy and completeness of the disputed information, and they failed. the letter was sent on XX/XX/2019. the letter was received XX/XX/2019. I received an Email response stating the results of my dispute were ready on XX/XX/2019. that is beyond the time allowed to respond for a method of verification I believe it is 15 days. ( FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute ).

I have been denied a home loan, my credit looks skeptical to lenders, i have been denied credit line increases with my current creditors, and Experian has yet to remove these items. Even after 2 recent disputes, i have sent the PROPER SUPPORTING DOCUMENTATION they request that, the items still remain! 
I spoke to a Dispute officer/representative on XX/XX/2019 at XXXX XXXX central time, for 38 mins 20 sec. and i specifically asked him how were the items verified. He stated that they were verified electronically. That is not a reasonable investigation! The home i am currently living in is falling apart and my family and i need out AS SOON AS POSSIBLE and the deletion of these accounts would make the wold of a difference.

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 2019-03-13 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: TN

Complaint narrative:
I have continually disputed two accounts on my credit report which still show currently. I have disputed them and asked that they be removed from my report. To date neither of them have been removed and disputed only to update with more erroneous information.

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 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have submitted a dispute with all 3 credit bureaus as of XX/XX/2018. I  also requested proper verification of this account. From the documents MCM has sent, I do not recognize these accounts whatsoever. They have failed to send proper verification which includes a actual contract that it belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
As of XX/XX/19 my repayment of {$350.00} had lapsed due to my Mother 's burial/business out of town. Check Smart ( XXXX ) XXXX continues to harass my employer even though I asked them to discontinue, we have already spoken when they contact/ harass me on my personal phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Unknown hard inquiry on credit report

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