vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
As per previous filed complaint XXXX they are reporting delinquency in past and adding comments again even though they said they would not any more. I have made all agreed payments and am now only owing this months payment yet. Again I have paid all payments as agreed and they are reporting incorrectly again ...

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 2018-10-13 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: GOLD KEY CREDIT, INC.
State: LA

Complaint narrative:
Noticed a negative report on my credit report for {$570.00} says XX/XX/2018 then says account account is 1 year 4 months old claims to be a medical debt but I have never heard of this company or had any medical debt. Company is goldkey credit out of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Hello, I've contacted Bank of America ( BOA ) several times over the last 5 years about removing my PMI. The last time I spoke with a representative it was in XX/XX/XXXX, at which time they said my loan to value was under 78 % in 2 months, at which time according to the Homeowners Protection Act of XX/XX/XXXX, PMI would automatically be removed. I've tried contacting BOA several times thereafter ( and again today, XX/XX/XXXX ) but have always been transferred and representatives say a PMI expert will call me, which they never do. My account has always been in good standing ; not one late payment, ever. Now, several years after the loan to value has been well under 78 %, I'm still being charged $ XXXX/month. BOA has been unlawfully charging this PMI for years, and is doing their best to avoid cancelling this. 

I see that when my refinance was drafted in XX/XX/XXXX, BOA listed my home purchase price at {$150000.00}, which is incorrect and simply a fabrication. I've owned this home since XX/XX/XXXX, at which time it was purchased for {$160000.00}. An appraisal was performed and the value was determined to be {$180000.00} at the time of the refinance in XX/XX/XXXX, which means PMI was not ever required. 

I sincerely appreciate any help you may be able to provide. 
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 2018-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient Account # XXXX has 7 loan numbers loan numbers on which I have been making payments for ~2 years. The balances are now HIGHER than they were when I started. Navient can not explain this other than to provide me their formula which apparently would have me paying them forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
" " '' I have disputed this collection on this XXXX  XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: MD

Complaint narrative:
To whom it may concern, I was approved for a loan with Sallie Mae ( Now Navient ) for a Private signature loan with a repayment plan including full principal and interest that was disbursed on XX/XX/XXXX The original principal amount for that loan was {$10000.00} at a now 9.000 % interest rate which is utterly ridiculous. It is now XX/XX/XXXX and my balance is only XXXX! Over the past 10 years ive only paid XXXX of that loan due to the interest rate and fees. 

Also may I add that i also have two additional Stafford loans 1-02 stafford Subsidized Loan that was disbursed on XXXX/XXXX/XXXX in the amount of {$2600.00} with a fixed interest rate of 6.8 %. 
as well as a 1-03 stafford subsidized loan that was disbursed on XX/XX/XXXX in the amount of {$570.00} with a fixed interest rate of 6.8 %. 
Both of these stafford loans took 10 years to pay off and were offically paid off with end dates of XX/XX/XXXX and XX/XX/XXXX. 

To add two more layers to this Navient nightmare The person who's name is on my loan as primary has been deceased since XX/XX/XXXX. Also the college that atteded where i received my loan for is XXXX XXXX XXXX ( XXXX ) - XXXX, Maryland in which the entire company closed all of their schools across the United States in XX/XX/XXXX. In which after all schools were closed XXXX XXXX was hit with thousands of lawsuits from students claiming that the college and its parent company are running a high-pressure sales racket cleverly disguised as higher ed. In a nutshell all campuses closed due to low enrollment levels and financial viability. 

With all that being said I feel my Loan should be forgiven and zero 'd out due to the mere fact that i can not afford to continue to pay this loan until my payoff estimate year of XXXX with a XXXX interest rate that ive Navient multiple times about with no resolve. The loan is also in a Deceased persons name. I have sent multiple copies of the death certificate to no avail and have yet to receive any help regarding what can be done with that. Lastly the loan is in a schools name who is no longer in business and I can not use my certificate in the field that i received the certification in because the employers do not recognize that school as accredited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with XXXX and Trans Union. I contacted XXXX XXXX in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XX/XX/XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called XXXX XXXX on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have XXXX XXXX paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by 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 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with Equifax and XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called XXXX XXXX on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have XXXX XXXX paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX keeps sending me bills for late charges even though my payments are on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: NC

Complaint narrative:
I have contacted Experian several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Experian to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Experian. 

My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Experian that XXXX accounts can not be disputed though Experian and is not Experian 's policy to investigate fraud on a report. 

I told the representative at Experian i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent.

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 2018-10-13 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: NV

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX   XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX has left multiple messages at my home for my former sister in law. This morning they started calling before XXXX XXXX  and we explained that we have no contact information for her and havent heard from her in years and to please stop calling our number. They said they would update their records. They then called back 4 more times before I took my phone off the hook. But I have an elderly mother that night need me so I cant keep it off all day. It is my day off and I wanted some peace. When I spoke with them the 3rd time they called they said Ill probably get more calls because it takes time to update their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 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: NV

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-13 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: GA

Complaint narrative:
On XX/XX/XXXX I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. Experian failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -resident check places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX   XXXX placed on XX/XX/XXXX XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -IXXXX XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.

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 2018-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Of counsel represented me in determining that this debt was invalid and not issued to me however the entity that owns the debt continues to post the account to my credit report even though this has been resolved through litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXXXXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: NC

Complaint narrative:
I have contacted Transunion several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Transunion to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Transunion. 

My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Transunion that XXXX accounts can not be disputed though Transunion and is not Transunion 's policy to investigate fraud on a report. 

I told the representative at Transunion i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent.

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 2018-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. XXXX  failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -resident check places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX  XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2017 I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. XXXX  failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX   places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.

Company response to consumer: Closed with explanation