vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I received my federal student loans in XXXX while attending XXXX XXXX COLLEGE in XXXX, OK. I graduated in XXXX with an XXXX  XXXX XXXX and in XXXX the loan payment on the 2 consolidated loans was to begin. From XXXX-XXXX  I worked for XXXX XXXX XXXX  as an XXXX XXXX and when I inquired about and applied for the forgiveness program for government workers I was told I didn't qualify, I have continued to make payments all theses years and still have a balance of {$11000.00} and am now retired from XXXX XXXX. My son now is in college and we are trying to help him without assuming the debt I did while I continue to repay a loan over 20 years old. I feel like when I applied for the government forgiveness program I was misinformed and should have qualified. Since the ongoing law suit against Navient and all of theother borrowers coming forward with similar stories I am convinced that I was misinformed as to my application for government employee forgiveness. Please help I feel like I will pass away before they are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Social Finance, Inc.
State: AL

Complaint narrative:
SUBJECT : Hardship ; XX/XX/XXXX -- I relocated back home to help my recently widowed Mom. XX/XX/XXXX - I was unemployed. XXXX XXXX I Submitted for a " 12 month Unemployment Deferment ''. XX/XX/XXXX - I get noticed that I was late on my payment. XX/XX/XXXX. I called to find out my " 12 month deferment was in 3 month increments. '' Apparently, I had missed the time line by a mater of days. In addition, I am taking my Mom to the Emergency and struggling to find gainful employment and its the holidays. SoFi charges late fees on me. Does not allow me to any more deferments. Reports me to credit agency. I continually paid SoFi through this time and called them multiple times to work out something with me. There is not 1 month in question where money was not sent into SOFI and calls made to keep them informed of the status. My income has been cut by 75 % and they tell me no to refinance, give a forbearance to allow me time to restructure or anything and will not work with other creditors to consolidate or refinance. I felt I was caught up in the " small print '' of things. They continue to send emails telling me they will " help '' but continue to refuse continued " help ''. The entire 12 Month deferment was shady in verbiage in my opinion. I thought I was under deferment when I was not but at the time I was struggling to help my ill mother. I am attempting to restructure my finances and requested additional time to help find my options on XX/XX/XXXX after paying them {$4300.00} and bringing this account current. They once again, told me " no ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: PA

Complaint narrative:
Dispute with Experian information regarding late payments on a mortgage company. Documentation was provided showing bank statements of payments for XXXX, XXXX, and XX/XX/XXXX. 

The company, XXXX, offically closed it doors on XX/XX/XXXX. Despite XXXX being closed on XX/XX/XXXX, XXXX, Experian was still able to verify the information as accurate. All employees were laidoff from the company based on news articles.

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 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
Initial phone call from them they refused to accept partial monthly payments they would only accept payment in full or a payment plan of 1/2 the balance one month the other 1/2 the next month. I tried to set up payment arrangements they refused. They didn't even send a initial letter informing me that they were handling my medical bill. I ask about that and they said they send only one. I told them I would pay what I could. Then I get another call on XX/XX/11 from someone different and they actually agreed to accept my bi weekly payments of {$40.00} for eight months. Then I get another call today when I called back the man said that I had no payment arrangements on file. I told him who I spoke to and he said that he could see that but no arrangements were made. When i told him i would be making bi-weekly payment for 8 months He said that is a verbal arrangement and we do not accept verbal arrangements unless I give them my credit card or bank account information. I told him that wasn't want I was told yesterday and I am not going to do that. I will continue to make my arrangements and do not call me again unless I don't pay.

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 2020-02-12 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: AR

Complaint narrative:
I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX  XXXX {$11000.00} XXXX XXXX XXXX {$21000.00} XXXX   XXXX XXXX  XXXX {$7300.00} XXXX XXXX XXXX {$12000.00} XXXX/XXXX XXXX {$4000.00}

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 2020-02-12 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: AR

Complaint narrative:
I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX  XXXX {$11000.00} XXXX XXXX  XXXX {$21000.00} XXXX  XXXX XXXX  XXXX {$7300.00} XXXX XXXX  XXXX {$12000.00} XXXX/XXXX  XXXX {$4000.00}

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 2020-02-12 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: TN

Complaint narrative:
I have tried to reach FedLoan about the transfer of my loan from XXXX XXXX and the implementation of my Public Service Loan Forgiveness Program for three weeks. I have sent three emails ( XX/XX/2020, and two on XX/XX/2020 ) and made three phone calls on XX/XX/2020, two of which were automatically disconnected after long waits on hold. On the third call I left a callback number and was never called back ( after a more than 24 hour wait ).

There does not appear to be a way to contact FedLoan at this point, by phone or email. I am VERY concerned about this, as I do not know the status of my account, and it appears to be incomplete according to my online account information. They are also about to debit my first payment ( of many ) and I have no way of reaching them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: AR

Complaint narrative:
I was online and I applied for a XXXX  XXXX XXXX XXXX and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX  XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: FL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Also, these accounts have been transferred. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TX

Complaint narrative:
My name ( attachments are the account history & correspondence letters ) I have a complaint against this company ( Navient ) regarding a 90 day forbearance that was applied XXXX XXXX. I received a disaster relief forbearance and still was penalized for non-payment for XXXX I was told by the representative my payment would begin in XXXX. I received a letter XX/XX/XXXX stating payment due {$320.00} for due date XX/XX/XXXX. 
Past due notice with interest of {$230.00} dated XX/XX/XXXX with a notice of {$650.00} due XX/XX/XXXX. So from the statement I have been penalized for XXXX & XXXX. 
This was listed in the letter that I received XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX PA XXXX-XXXX  Navient.com Because the borrower of the above referenced loan resides in a county or jurisdiction that has been designated as a disaster area, we have applied an administrative forbearance on the loan postponing the next payment due. You don't need to make a loan payment until after the forbearance ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Also, these accounts have been transferred. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-12 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: NY

Complaint narrative:
This is a complaint about Experian. 

This is absolutely a terrible experience for managing a security freeze with Experian. I froze it a few years ago, and now they are unable to verify my identity online, and require me to send physical documents in the mail to a PO box address. Not only is this a long lead time, but this also blocks me from moving quickly on obtaining a mortgage. Especially when compared to the other bureaus ( XXXX, XXXX )  who have both moved to a fully-online account-based model for security freezes, Experian 's experience is incredibly NOT user-friendly, and this makes me concerned that they hold so much of my personal 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 2020-02-12 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: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
I submitted a dispute on XX/XX/XXXX with XXXX  a my mortgage company Volunteer Mortgage Loan Servicing located in XXXX, TN is incorrectly reporting on my credit. They are reporting that I have not paid since XX/XX/XXXX, that I have missed XX/XX/XXXX and XX/XX/XXXX payments as well as me having a past due balance of {$2600.00} and it shows my mortgage balance increased {$980.00} ( which is incorrect ), so the balance on my mortgage is wrong. All of this information is incorrect. My account is current, I have no past due balance, I paid for XX/XX/XXXX and XX/XX/XXXX, my mortgage balance did not increase and instead decreased, my mortgage balance is {$180000.00} NOT {$180000.00}. Again, I submitted this dispute with XXXX  on XX/XX/XXXX and received notification on XX/XX/XXXX that it had been completed but still with the wrong information. XXXX  did a poor job in getting the correct information updated. I then called my mortgage company and spoke with someone and they said they were able to see that my account was current but they were unsure why it's reporting wrong but could not resolve the issue. They simply asked me to send an email and this has caused my credit score to drop several times. The lady with the mortgage company said they may not have checked my account but why would they report to the credit bureau with incorrect information, without truly checking my account. I'm attaching the dispute section from XXXX   showing no changes made and the incorrect information. I'm also attaching a screenshot of my mortgage account online to show my current balance with no past due amount and when the last payment was received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: AR

Complaint narrative:
I was online and I applied for a XXXX  XXXX credit card and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX DOCTOR XXXX {$350.00}

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 2020-02-12 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: AR

Complaint narrative:
I was online and I applied for a XXXX  XXXX credit card and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX XXXX {$350.00}

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 non-monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
home point financial want to keep a cushion amount or percentage of the taxes, rolled into the mortgage, in case the taxes change the next year making mortgage go up considerably.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I filed a complaint to this agency about two banks conspiring together to charge me fees and charges illegally. 
This agency indicated that a notice was sent to a Suntrust executive but I have yet to hear why their manager on XX/XX/XXXX denied or rejected to cash my check for {$300000.00} presented to a XXXX XXXX XXXX. 

I would like for a bank Suntrust that I have had for almost three years since XXXX refused to cash my check and transfer the funds to the XXXX XXXX XXXX  on XX/XX/XXXX. 

This entire process has cost me time, trouble, issues and problems. 

The federal government plans on transferring hundreds of thousands of more dollars in the near future so I have the right to know what was the reason. Another complaint of discrimination in violation to the American Disability Act ( ADA ) of 1990 by refusing to respond to my request to accept my stamp signature. 

First issue is at hand now as to why my check at first was denied. 

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 2020-02-12 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: GA

Complaint narrative:
I pulled my credit profile for the first time in 4 years, and I saw several unknown suspicious accounts that are not mine. I have never applied or seen these accounts in my life. Please remove these fraudulent accounts from my report. I need my identity back. I been having to many problems over this situation I am having. 

XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX  XXXX  XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: MS SERVICES LLC
State: CA

Complaint narrative:
MS SERVICES ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: NY

Complaint narrative:
I've been paying my child support obligation via pay roll deduction since XXXX as per court order. On XX/XX/XXXX the child turned XXXX years of age and was emancipated by the courts and the child support payments was terminated. i obtained 3 letters as evidence one from the courts. one from social services and one from the child support stating that the account is closed with a XXXX  balance obligation. This account is being reported as COLLECTION in XXXX XXXX i sent the credit bureau the 3 letters as proof that my child support was not a debt it was an obligation that was fulfilled with a XXXX balance when the child turn XXXX  years. 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 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
this company, changes variations of its names, dings my credit, pulls it off, dings it again, sells the debt, pings my credit, over and over ... I have made complaint, had it removed, only for them to come back do it again, this company Commonwealth and XXXX appear to be in this together

Company response to consumer: Closed with explanation