vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
Dear Protection Bureau, On XX/XX/2020, I refinanced a student loan from AES ( acct. no. XXXX XXXX XXXX ) to XXXX XXXX  ( acct. no. XXXX ). XXXX XXXX  sent {$39000.00} to AES to pay off my loan with AES. The payment exceeded the actual payoff amount of {$39000.00}. I called AES for a refund of the excess {$460.00}. I was told they could only send the difference directly to XXXX XXXX. Over the next eight weeks, I made five phone calls to each institution. Neither could confirm sending nor receipt of payment. On the week of XX/XX/2020, I joined two supervisors on a conference call, XXXX from XXXX and XXXX from AES. XXXX explained that a check was mailed, not received, then cancelled, and that an ACH was sent electronically which XXXX stated was not received. XXXX said another check would be issued. On XX/XX/2020, XXXX stated the check was received. The credit of {$460.00} was credited to my account. On XX/XX/2020 I received a letter from XXXX XXXX  stating that the {$460.00} credit was reversed due to insufficient funds from AES. I no longer have the patience to go back and forth after four months. 
Please help! 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Submit various disputes thru their system, the amount remain the same, even some have more than one status displayed. Ask various representative to explained why they said I have delinquent account when accounts are either closed of in good standing. 

Experian is punishing americans based on the history of the account no in the current status of the account, the credit score should be based and always been on how the account is standing at the day of the report been requested, Experian is dropping on average 100 points is in your history you had an account on a past due even if the account is in good standing, that drop will remain in the score for the next seven years making lenders to be misinformed as they were looking on the numbers, they dont believe that the account are in good standing when a customer will report to them rising interest or not approving credit, or make you look for a cosigner, even having the other 2 showing the account in good standing. 

My claim here is to seek help as this practice should not continue, history of the account shall remain, but credit bureaus shall show how the credit score is at the day, if at the time the credit was pulled and the account is in fact late or the new information hasnt received yet, good, but is the account is in good standing payment are update or account is closed even after been late for whatever agreement was done with the lender and client, credit bureau like Experian should take punishment in their hands. 

Make them fix the calculation to what is today, lenders will review history and add accordingly, but bureaus shouldnt drop point drastically based on the history instead of the current status. 

I have as per them 5 account in deficient, 4 of them has been closed for almost a year and 1 is in good standing and a wrong interpreted by the lender as this one is an education institution as a I am not out of school they shouldnt start charging me the deb.

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 2020-08-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I tried to add a new bank card number to my existing Boost account with Experian. I was unaware that the system would try to perform another Boost on my account. My credit score was XXXX and it dropped to XXXX. I also received multiple duplicate messages that my account had been disconnected. When I tried to reconnect my account I kept receiving an error message that Experian was experiencing technical difficulties. I called and spoke to numerous agents at different times who would not assist me. I finally called in one day and asked for the issue to be forwarded to the technical dept, I also asked to speak with management. A manager by the name of XXXX came on the line but she was not helpful at all and she seemed quite agitated that she had to take the call.I have since called back four times. I have been given numerous ticket numbers, but no real answer if someone is really working on my case. I'm beyond outraged at the lack of professionalism and concern for fixing this issue with my credit. I've been working on my credit for almost a year so this is very upsetting to see them taking this so lightly. This issue seems to be an ongoing problem that needs to seriously be addressed by Experian.

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 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This complaint is in reference to IC SYSTEM Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.

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 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-20 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was not late on any payment in XXXX or XXXX please have that reflected on my 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
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I was hospitalized from XXXX to XXXX in XXXX ky I have state XXXX which I fully covered I received a bill from GLA collection company telling me I owe {$560.00} for service received from XXXX XXXX XXXX I called XXXX. Insurance they said it covered so I called GLA to respond to letter they were rude told me it's in my name pay the bill would not even let me explain what I found out from XXXX  I want it remove immediately from credit it hurt me getting a loan & credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is my second complaint against Experian. I have asked them to correctly report my accounts, and make the corrections not to what I want, but to the letter of the law. What they did was nothing, they sent me a XXXX card in the mail with the FCRA on it, without their name even on it, I had to look up the return address. All I am asking is that they do what the law REQUIRES THEM TO DO. nothing more. If they reinvestigate an item ( XXXX XXXX XXXX ) for accuracy, then I need to be told what exactly they did during the reinvestigation. If they can not provide that, then the entry is removed. Pretty cut and dry. In response they told me they are not obligated to tell me anything. I have it in an email. They said that and they were not forwarding me the information. Period. That is against the law and they need to be held accountable. I will not let this go. In addition on my bankruptcy Items ( XXXX XXXXl ) They are reporting dates, balances, terms, etc. BY LAW they are to report paid in full and the discharged bankruptcy date. No balances, no terms nothing. They have been asked to correct 5 times, and 5 times they are refusing. They need to be fined and this handled. Since they can not report it correctly, then remove it. Period, I will carry this to the highest levels I promise. They expect us to follow policy, they need to. I insist that the CFPB directly deal with this repeat offender.

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 2020-08-20 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ),  EOS CCA ( Original Creditor : XXXX XXXX ), and XXXX XXXX ( Original Creditor : 06 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ), EOS CCA ( Original Creditor : 10 XXXX ), and  XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ), XXXX XXXX ( Original Creditor : 10 XXXX XXXX, and CREDIT COLL ( Original Creditor : 06 XXXX   XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ), XXXX XXXX ( Original Creditor : 10 XXXX ), and CREDIT COLL ( Original Creditor : 06 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and SANTANDER with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX ), and I was never 90 days late ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: CA

Complaint narrative:
I was not late on any payment in XXXX or XXXX please have that reflected on my 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
Consumer complaint received 2020-08-20 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: CA

Complaint narrative:
I was not late on any payment in XXXX or XXXX please have that reflected on my 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
Consumer complaint received 2020-08-20 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have a loan with LVNV FUNDING LLC, XXXX/XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING LLC, XXXX/XXXX, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I found the letter where it fell behind my desk and was surprised to see it was from an attorney. And that PORTFOLIO RECOVERY ASSOCIATES was who he was representing. But all it stated was the amount no other detail. It had been over 30 days so they wouldn't validate it and i didn't want i didn't want to risk restaring the timer on and statues of limitations. So I started looking for something that matched it i went and started looking through every old credit report i could find and never found anything that matched it. Could not find anything that matched the amount or the last 4 account number they gave. So i started researching portfolio recovery to try and find their contact info and seen a lot of the complaints against them. So i reread the letter and kept researching and realized that even though it stated authority for their client but all the way at the bottom never noticed before but it says this communications is from a debt collector .... ok so then XXXX XXXX XXXX owned but they were attorney 's so i looked them up and couldn't find them in Arkansas i searched the list of who i assumed were attorney 's and searched all attorney 's offices in XXXX XXXX. No luck so i did more research because something was wrong i didn't show their collections couldn't find anything matching it in my history. Now i wasn't sure who owned or who sent the letter. Couldn't find the attorney 's and given how they word it like they were attorney 's but state that they were debt collectors meaning they weren't attorney 's i don't think anyway I'm still confused on that part but i started reading all the attorney letter head and noticed where it said licensed in Missouri .... So the law office in Arkansas is licensed in Missouri? So they were attorney 's and not a debt collector? So started looking there but still no luck. But eventually i found my way here and hopefully some help. I'm not sure if they took legal action or not and still waiting for them to report to a credit report company. I have seen they have been ( they being portfolio recovery associates ) making soft inquiries but i just noticed the letter never actually says their client is portfolio recovery associates they are just referred to as re in the address area above my name. So i am not sure if it is portfolio recovery associates or XXXX XXXX XXXX or mystery client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sent the dispute through the credit agencies. XXXX changed it but the others have not. JPMorgan Chase private student loan was charged off. Then they forgave the entire amount sent me a 1099M for XXXX and I claimed it on my Taxes in XXXX of XXXX. 

Its still currently showing up on my credit report as charged off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my 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 2020-08-20 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: I.C. System, Inc.
State: MD

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX, and I C SYSTEM ( Original Creditor : 11 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and I C SYSTEM ( Original Creditor : 11 XXXX XXXXXXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my 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