vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I have had many problems with XXXX XXXX XXXX, formerly XXXX XXXX XXXX. Usually in regards to customer service and contacting the company for help in any way being unreasonably difficult.

COMPLAINT # 1 : Some time last year, XX/XX/XXXX, I signed on to my online account to make a payment to see that I didn't know anything for the month which I found strange because I didn't remember paying, so I decided to keep checking back on the site periodically in case it was a mistake. The following month I received a letter from XXXX telling me that my one month loan deferment had ended and that my payments going forward would be raised slightly to compensate for the month missed during deferment. I never applied for a deferment. I submitted no paperwork for a deferment. I never made a call to XXXX  asking for a deferment so there is no legal reason for them to have applied one to my account.

COMPLAINT # 2 : Several months ago I signed onto the XXXX  site to make a payment but saw that I didn't owe anything for that month, which I found strange because this had already happened to me before. The following month I logged on to the XXXX  site to make a payment and found that I owed for two months. Obviously frustrated, I paid for two months at once to avoid getting late fees which put a strain on me financially for a little while as I had not planned to have to pay double after the missing a month.

I tried to contact XXXX  about both of the complaints described above a few months later via a customer service request and never received a response. I don't have any exact dates but this took place over the course of the last year - late XX/XX/XXXXto early XX/XX/XXXX.

COMPLAINT # 3 : Today, XX/XX/XXXX, I tried to call XXXX  to make a payment after being unable to log in to my online account for the last two days ( every time I tried I saw a message that said " that service was temporarily unavailable. ) I first tried accessing my account over the phone with my SSN, which they said was not connected to any account in their system. This is obviously not true as I've been making payments on my loans since XX/XX/XXXX I then tried accessing my account over the phone with my account number. I would wait to be prompted, enter my account number, the machine would say " Thank you '' and then hang up. This happened three times in a row and I was never able to make it through to a customer service rep.

I need to make payments but my only method at this point is mailing a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reported identity fraud with all 3 credit bureaus. There is an account from an apartment that is not my account. XXXX  and XXXX has handle the issue and updated my reports but not Transunion. I have called and sent out letters to relsoved this issue but I have not heard or recieved feedback about this account. I want it removed. It is not my account and I'm getting upset because it's affecting my credit!! 
The amount of {$1800.00} give or take form 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 2018-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I have ask XXXX to provide documentation to me several times validating this student loan debt and by validating these debts I actually wan na see who signed the loans if there is even a signature. 

I feel these loans where opened fraudauluantly until otherwise proven by signature that these loans belong to me. For some reason XXXX has not and wont provide this information to me, when I so called have rights to these loans. 

I will ask once again for XXXX to provide this information to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
This company is reporting inaccurate late payments. Each credit bureaus has different months being reported which is inaccurate and needs to be removed as the FCRA law requires. 

XXXX XXXX XXXX is showing that XX/XX/2017 is OK but XXXX is reporting that is was late. However these late payments are an error. 

USAA SAVINGS BANK Is reporting 60 day late payments for 4 consecutive months in 2017 which is inaccurate. How is that possible? Please remove these inaccurate payments. 

XXXX Has yet to provide any signed documents that this account belongs to me. No itemized bill is acceptable, but an actual signature is required by law. 



XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: AR

Complaint narrative:
XXXX XXXX2016 a debt collection in the amount of {$530.00} was added on my credit report by the collection agency Receivables Performance. I have sent in 2 debt validation letters requesting they send me the original signed contract I have with them to validate the debt they have sent letters saying the debt was validating but I'm not provided the information as to how?.

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 2018-04-13 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting on my credit an account opened in XX/XX/XXXX, classified as adverse account ( exhibit 1 ) updated in XX/XX/XXXX that was not in my credit prior to that date. It is described as individual second real state mortgage with late payment of 150 days, I haven't acquire any house mortgage with XXXX. I went to the bank on XX/XX/XXXX and ask for origination verification evidence of the debt, XXXX XXXX XXXX told us that it was too old to have evidence on hand. On XX/XX/XXXX I send a dispute and verification letter to XXXX ( exhibit 5 ) and again in XXXX XXXX ( exhibit 9 ), at this date only 4 collections letters I received ( exhibit 7 ). Forty-five days have pass and my FTC under FDCPA rights are been violated also the DACO in Puerto Rico Commonwealth Law 364, Art 5 to 9. Its a time-barred debt and an inactive account should not be over 10 years in the 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 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I seem to keep having a problem with Equifax with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf. 1. XXXX XXXX  ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX &XX/XX/XXXX ) These are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Financial Services, Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX I discovered a issue with my credit report. I noticed there were some accounts reflecting on my report that did not belong to me. I disputed the inaccurate information and notified the credit bureau and the collectors that I was a victim of identity theft. I filed a identity theft report with the consumer financial protection bureau ( XXXX ) as well filed a police report with my local XXXX department on XX/XX/2018 ( police report # XXXX ). I sent out a letter to the credit bureau providing them with the necessary information. The reason for my compliant is to report XXXX. They are continuing to report inaccurate information on an account that does not belong to me. Other bureau 's ( XXXX, XXXX   ) has deleted this information yet XXXX is non compliant. I have requested this information to be removed from my report immediately. It has been well over a month with no response from XXXX. 
The accounts are as follows : Creditor ( since the last time I filed the report they have since removed their name from the report. 
Account # XXXX This account was filed in the identity theft report and is still reporting inaccurate. This account does not belong to me. I am victim of identity theft.Please remove immediately Also account XXXX XXXX is also being inaccurately report on my XXXX report XXXX XXXX Account # XXXX This account was filed in the identity theft report and is still reporting inaccurate. This account does not belong to me. 
Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I realized today that It was reported on NINE DIFFERENT ACCOUNTS that I had 3 late payment on my federal student loans that were services through Navient then consolidated to another servicer inXX/XX/XXXX. These late payments are reported from XX/XX/XXXX-XX/XX/XXXX. This has negatively effected my credit report for almost 3 years. I went to the National Student Loan Data website to check my monthly statements. Nothing there. I went to the Navient website to look at the detailed monthly payments tab. There was absolutely NOTHING detailing any sort of payment or late payment. I am still not sure if I was charged fees for these late payments because there is no record of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America sent out a 30 day late notice, the only one in many accounts because a dormant account had an annual fee placed on it without notification. And it was not paid until the next bill was sent out.

XXXX  investigated and did not do a thing because technically I was 30 days late from when they wanted it paid even though I was not notified because it was a dormant account. Also, my credit limited was reinstated and the late fee removed but this was not reflected on the credit report either.

I currently owe XXXX and in fact Bank if America is late sending me a check for an over payment.

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 monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I seem to keep having a problem with XXXX  with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf. 1. XXXX XXXX  ( XX/XX/XXXX) Not Mine 2. XXXX XXXX XXXX  (XX/XX/XXXX &XX/XX/XXXX ) These are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I was a victim of identity theft while in the XXXX and recently found out that I had this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
On XX/XX/XXXXI was applying for a refinance loan for my home from guaranteed rate and on XX/XX/XXXX I was asked to pay a {$450.00} fee upfront for an appraisal. The appraiser was an unlicensed intern pretending to be licensed. It was not disclosed that an unlicensed appraiser would be performing an appraisal at my home. On XX/XX/XXXX she came to my home to do the appraisal. The appraisal did not come out favorable and with numerous attempts to resolve this issue with guaranteed rate, this resulted in my loan not being able to be processed. We bought all these issues to senior managements attention. We were promised that the appraiser would redo the botched appraisal, but that never happened. They will not refund the {$450.00} back and we were told sorry it didnt work out, better luck next time. This leaves me with no options, no refinance loan, just a fee to an unlicensed intern who botched an appraisal leading to the loan not able to be processed. We spoke to several managers at the company with no results. This company was supposed to refinance my home not sell botched appraisals. We have been victims of a fraud and scam and the company is negligent to assume responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
These accounts have not provided proof and either was removed or re-inserted without notifying me.

Portfolio Recovery was an account that was removed on XXXX2017 from XXXX but both XXXX  and XXXX have not removed the account, although the creditor failed to provide proof.

XXXX XXXX has not provided any proof or account information but is reporting on my credit report. XXXX XXXX  was an account that was deleted XXXX2017 by XXXX XXXX  account but re-inserted without notifying me or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: FL

Complaint narrative:
XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX  Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX  FL for court located at XXXX XXXX XXXX XXXX XXXX FL XXXX at XXXX XXXX  onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: PA

Complaint narrative:
XXXX XXXX XXXX sent out a 30 day late notice, the only one in many accounts because a dormant account had an annual fee placed on it without notification. And it was not paid until the next bill was sent out.

Experian investigated and did not do a thing because technically I was 30 days late from when they wanted it paid even though I was not notified because it was a dormant account. Also, my credit limited was reinstated and the late fee removed but this was not reflected on the credit report either.

I currently owe XXXX and in fact XXXX XXXX XXXX  is late sending me a check for an over payment.

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 2018-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Creditors Services, Inc
State: OH

Complaint narrative:
The first phone call from a collection agency I was told that I didnt pay my bills and that they were going to have to do what they have to do. Suggesting damaging my credit because they were aware of me working vigorously hard to fix my credit after my bankruptcy. The agent from the collection agency on that call was very aggressive and condescending. Two times I was threatened that my credit will be severely damaged if I did not make payment or set up a payment arrangement. After that phone call I contacted the original creditor and set up payment arrangements and explain to them that I do not want to have any interaction with the collection agency because of the first contact with that collections agency. I never Received any written correspondence from the company. The collections agency only contacted me three times. But after the first contact as I stated I wanted to deal with the original creditor. In agreement was made for monthly payments. In the agreement was in good standing that agreement from the original creditor was communicated via email to the collection agency. And the collections agency had no regard for that agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: CA

Complaint narrative:
onXX/XX/XXXX at XXXX I drove my vehicle to XXXX to buy milk for my son and when I was driving back my car shut off and shortly afterwards a tow truck pulled up behind me started lifting the rear of my vehicle, I yelling for them to stop and once my cars was lifted high in the air, two men approached both sides of the car shinning flash lights in my eyes demanding me to exit the vehicle or I would be arrested. This continued for about 5 mins or longer. They continued to threaten me to be arrested and the police were on there way and I was going to jail. I police vehicle arrived and the two men walked away from my vehicle. I couldn't what was happening because the police had there spot light pointed at my vehicle. About 5min had passed and the police hadn't come talk to me, so rolled my windaws down and asked if he would come talk to me. The officer told me to keed me hands out of the window and he would instruct me how to exit the vehicle, The had me keep my hands over my head and walk backwards towards his voice until I was told to stop and drop to my knees. I did as they asked and when in view there were 4 offices with there weapons pointed at me. the officer said that I was not under arrest at this time but, I was being detained. I tried to explain my side of events but, they were not interested in my statement. I was told the I would in-cuffed and to go on home that my car is being repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: ERC
State: VA

Complaint narrative:
These accounts have not provided proof and either was removed or re-inserted without notifying me. 

XXXX XXXX was an account that was removed on XX/XX/2017 from XXXX  but both XXXX and XXXX have not removed the account, although the creditor failed to provide proof. 

XXXX XXXX has not provided any proof or account information but is reporting on my credit report. 

Enhanced Recovery was an account that was deleted XX/XX/2017 by XXXX XXXX account but re-inserted without notifying me or proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation