vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: OK

Complaint narrative:
In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a 100 % XXXX veteran. 
XXXX the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted XXXX they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that XXXX was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted XXXX by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at XXXX that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this issue.

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 2021-10-11 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: World Acceptance Corporation
State: IL

Complaint narrative:
This account was opened in XX/XX/2014, it has been closed. They have switched the account to another internal account with a different account number lied about me making payments I never made to keep it active while also toying with my credit nonstop, one month they change the payment history the next month its changed again.

They have charged off the account and now all of a sudden they are also trying to put it in collections because its coming up on seven years. I have no collections on my credit and I will not stand for it Im trying to build my credit to buy a home and this corporation is doing nothing but trying to hold me down on every level on every turn. The information is incorrect they have blatantly lied over and over it must stop. I have all the records to prove this. This is beyond bad business practice this is downright lying on there part. How Can anyone get ahead in life when I have to deal with corporations like this Im just one person but I will not give in and I will prove to whoever I need to they have lied and lied and lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX of XXXX XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XX/XX/XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
company has not responded to my dispute of inaccurate information on consumer 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 2021-10-11 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: NY

Complaint narrative:
I have already made a complaint..AES has not responded correctly to my request. I have asked for a Amortization Schedule of the PAID Dollars approaching and ultimately reaching XXXX ( XXXX $ ). They have only sent me a form indicating what I already paid, Which is questionable In itself. They will not send me that Amortization Schedule showing the amount that is left AND the payments left moving towards XXXX XXXX in the allotted timeframe that is left on the Note. THEY WILL NOT RESPOND PROPERLY This is the fourth time Im requesting this. Twice from me once from you,,, this is the fourth time. Someone with some authority has to hold their feet to the flame. I dont want them telling me that there is a Balloon Payment at the end. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I was charged {$3.00} by XXXX on my XXXX XXXX XXXX credit card ending in XXXX. Unfortunately, there was a glitch in the XXXX XXXX app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by 70 points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called XXXX XXXX to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired. 

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life. 

I'd really appreciate your help with this.

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 2021-10-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I was charged {$3.00} by XXXX on my XXXX XXXX XXXX credit card ending in XXXX. Unfortunately, there was a glitch in the XXXX XXXX app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by XXXX points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called XXXX XXXX to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired. 

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life. 

I'd really appreciate your help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: CA

Complaint narrative:
On XX/XX/XXXX I was charged {$3.00} by XXXX on my XXXX XXXX XXXX credit card ending in XXXX. Unfortunately, there was a glitch in the XXXX XXXX app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by XXXX points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called XXXX XXXX to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired. 

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life. 

I'd really appreciate your help with this.

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 2021-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Carrington Mortgage Services violated my consumer rights. A debt validation letter was sent to this company on XX/XX/2021. This company failed to provide any documents validating this alleged debt. Instead, they sold my personal information to another debt collector after receiving a cease and desist all collection activity letter. This company has harassed and sent threatening parcel to my residence without prior consent. This company has also threatened me with foreclosure on my home and that they would charge a late payment fee on an alleged debt I do not owe to them. I am the original creditor and my consumer rights has been violated. I have communicated with this company the they do not have consent from me to sell my personal information to anyone and that it would be a direct violation of identity theft if conducted. Listed below are all the violations : 15 USC 1692f : Unfair practices, 15 USC 1692e : False or misleading representations, 15 USC 1692d : Harassment or abuse, 15 USC 1692c : Communication in connection with debt collection, 15 USC 1692j : Furnishing certain deceptive forms, 15 USC 1692 : Congressional findings and declaration of purpose, 15 USC 1692k : Civil liability, 15 USC 1691e : Civil liability, 15 USC 1691c : Administrative enforcement, 15 USC 1691a : Definitions ; rules of construction, 1681s2. Responsibilities of furnishers of information to consumer reporting agencies, 15 USC 1681c : Requirements relating to information contained in consumer reports, 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
We are responding to PNC Bank response on complaint XXXX. We were suppose to get 60 days to respond which is today XXXX. CFPB has closed this complaint on the XXXX day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
TRANSUNION AND XXXX ARE REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON THE FEDERAL TRADE COMMISSION FREE ANNUAL CREDIT REPORT WEBSITE. I HAVE VERIFIED MY IDENTITY USING THEIR TWO FACTOR AUTHENTICATION METHODS AND ONLINE QUESTIONS MANY TIMES AND HAVE ACCOUNTS WITH EACH BUREAU. I WAS PREVIOUSLY FOR THE PAST TEN MONTHS ALLOWED ACCESS WEEKLY TO MY ALL THREE BUREAU CREDIT REPORTS!!! I DEMAND IMMEDIATE ACCESS TO MY FREE FTC WEEKLY ONLINE CREDIT REPORT!! I AM NOT PAYING THE POSTAL MAIL TO OBTAIN A CREDIT REPORT WHICH COSTS ME MONEY!! XXXX XXXX AND TRANSUNION ARE VIOLATING THE LAW AND ARBITRILY NOT ALLOWING ME FREE ONLINE CREDIT REPORT ACCESS DESPITE SUCCESSFULLY ANSWERING IDENTITY QUESTIONS CORRECTLY!! XXXX YOUR MAIL IN FORMS!! IM NOT BEING INCONVENIENCED AND WAITING WEEKS FOR MY CREDIT REPORT I COULD GET NOW ONLINE. I NEED MY CREDIT REPORT NOW!!! I DEAMND IT ONLINE NOW!!! IM NOT PAYING POSTAL MAIL TO GET MY REPORT AND SENDING THE BUREAUS IDENTITY DOCUMENTS IN THE UNSECURE XXXX POSTAL MAIL!! XXXX XXXX AND TRANSUNION, WHICH TRANSUNION REPEATEDLY VIOLATES THE LAW BECUASE MY REPORTS ARE INACCUREATE, THUS PREVENTING ME FROM RECEIVING THEM!!

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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX AND XXXX ARE REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON THE FEDERAL TRADE COMMISSION FREE ANNUAL CREDIT REPORT WEBSITE. I HAVE VERIFIED MY IDENTITY USING THEIR TWO FACTOR AUTHENTICATION METHODS AND ONLINE QUESTIONS MANY TIMES AND HAVE ACCOUNTS WITH EACH BUREAU. I WAS PREVIOUSLY FOR THE PAST TEN MONTHS ALLOWED ACCESS WEEKLY TO MY ALL THREE BUREAU CREDIT REPORTS!!! I DEMAND IMMEDIATE ACCESS TO MY FREE FTC WEEKLY ONLINE CREDIT REPORT!! I AM NOT PAYING THE POSTAL MAIL TO OBTAIN A CREDIT REPORT WHICH COSTS ME MONEY!! XXXX EXPERIAN AND XXXX ARE VIOLATING THE LAW AND ARBITRILY NOT ALLOWING ME FREE ONLINE CREDIT REPORT ACCESS DESPITE SUCCESSFULLY ANSWERING IDENTITY QUESTIONS CORRECTLY!! XXXX YOUR MAIL IN FORMS!! IM NOT BEING INCONVENIENCED AND WAITING WEEKS FOR MY CREDIT REPORT I COULD GET NOW ONLINE. I NEED MY CREDIT REPORT NOW!!! I DEAMND IT ONLINE NOW!!! IM NOT PAYING POSTAL MAIL TO GET MY REPORT AND SENDING THE BUREAUS IDENTITY DOCUMENTS IN THE UNSECURE XXXX POSTAL MAIL!! XXXX EXPERIAN AND XXXX, WHICH XXXX REPEATEDLY VIOLATES THE LAW BECUASE MY REPORTS ARE INACCUREATE, THUS PREVENTING ME FROM RECEIVING THEM!!

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 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I paid off my Chase credit card balance on XX/XX/XXXX. Shortly after I was charged interest even though my balance was XXXX. I called the bank and the bank removed that charge. 
Today on XX/XX/XXXX, I was charged interest again. The agent of the bank claimed that I was charged because of residual balance for two months after I pay off a balance. They removed that charge again. This makes no sense to me because I have no had any charged from the other credit card that I paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This company Medical Data Systems has violated the Fair Credit Act I never received anything in the mail regarding any of these balances. I have no knowledge of these balances and I am disputing every last charge from Medical Data Systems. Medical Data Systems reported XXXX ( XXXX ) accounts and I want them removed immediately, I was not notified directly to dispute these accounts. 

Medical Data Systems -acct # XXXX for {$220.00} Medical Data Systems-acct XXXX XXXX for {$160.00} Medical Data Systems-acct XXXX XXXX for {$160.00} Maybe I should contact an attorney and sue this company Medical Data Systems for damaging my credit report with these accounts and balances. I will if accounts are not removed immediately from all three ( 3 ) credit bureaus.

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 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: MA

Complaint narrative:
XXXX XXXX routinely makes me wait one week after I make my payment to post my payment to my account, however they get their money right away. I made a {$90.00} payment on XX/XX/21 and today, XX/XX/21 they reported me as late to credit reporting agencies, lowering my credit score by XXXX points. How can they get away with this? What can I do? This seems so XXXX criminal its not even funny.. I know they love people with low scores so they can charge a higher interest rate please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXXDate of Inquiry XX/XX/ 2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have two student loans that were transferred to Navient from Sallie Mae. My payments were being misapplied from XXXX through XXXX on both loans. One of my loans had a disbursement amount of {$10000.00} on XX/XX/XXXX, I was immediately billed for a principle amount of {$23000.00} on the same date. My second loan disbursement was for {$7900.00} on XX/XX/XXXX, I was immediately billed for a principle amount of {$16000.00}. All of my payments were going to interest based upon the outstanding balances. In addition, the capitalized interest on the loan and late payments are not accurate, also I am not clear what happened when the loans were sold on XX/XX/XXXX. Navient didn't inform me that my loans were going into repayment ; as a result I have incurred a 30-day and 60-day derogatory remark on my credit reports. When I reached out to Navient after pulling my credit report, I was advised my account had a cease and desist in place. I advised Navient that I never requested a cease and desist for these two loans. I called Navient on XX/XX/XXXX and spoke with a supervisor regarding my payment history as reported on their website. I was advised Navient has two sets of records for my account, and the correct records are not what is shown on their website. I was advised I would be receiving the correct records in the mail within 4 weeks, I called back after 3 weeks to see if the records were sent and was told to wait. As of today, I still don't have those records or any clue about the accuracy of what's reported on the website. The website doesn't show figures for years XXXX, XXXX, and most of XXXX is missing as well, on both loans.

Company response to consumer: Closed with explanation