vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
While Navient was my loan lender, they kept assuring me that my payments were being applied to the Public Service Loan Forgiveness program. I even sent them several PSLF employment forms and confirmed with Navient that they had been received and were being counted. My payments, of course, couldn't be counted because my loans needed to be consolidated under XXXX XXXX to be eligible for the PSLF program. Navient lied to me for 2 years before I found out the truth. I've lost 2 years of PSLF because of Navient. Navient need to be held accountable for lying and taking advantage of thousands of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Nicholas Financial Inc.
State: KS

Complaint narrative:
The company will call me multiple times a day and send multiple emails. Sometimes they will call me back to back within an hour. One representative named XXXX has been repeatedly rude, aggressive and one time denied a payment I offered to make to work towards reconciling my account. I have asked repeatedly that he no longer contact or communicate with me regarding my account, verbally and in writing and he continues to contact me. I have even told management that I do not want him to contact me and they assured me that he would no longer contact me or handle my account. I have made them aware of my financial situation several times and that I will make payments as much as I can monthly. They did not offer to lower my payments, give me a lower interest rate, or anything so I am doing the best I can to make as close to {$400.00} a month payments monthly to them. They have also contacted me for payment during the grace period of 10 days. I want the harassing and excessive phone calls to stop and they can communicate with me in writing or via email, and not repeatedly, everyday. I have just been made aware that this is my right as a debtor and I do not have to be subjected to harassment from a creditor even when I am making efforts to reconcile a past due account. I would greatly appreciate assistance with this matter as the company has been unresponsive to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been on social security XXXX since XX/XX/XXXX I'm a victim of covert harassment and organized stalking since day one going on social security XXXX. Im followed everywhere By alleged neighbors, strangers etc Our corrupt government and the corrupt FBI agents have also made it look like I'm a victim of identity theft. They keep adding bogus information and bogus accounts. I have been documenting this for three years now I have XXXX and XXXX and was illegally implanted in XXXX with stentrode implants for XXXX You can XXXX it So they have done everything that they can to ruin my life in every way possible and I believe this is also part of their doing All my accounts are hacked All of my phone are tampered I have my Florida I.D . 
still even though I am living in XXXX Ohio Because that address is my mom 's address who I lived with for long time And still go there and receive mail there when I need to Now im having problems with capital one I have been a customer with them since XX/XX/XXXX And i have my XXXX bank account linked to pay my account. 

On XX/XX/XXXX i applied for another credit card with them i have been drastically trying to rebuild my credit, since its been destroyed. 
About week or two later i received letter from capital one requesting documents so they could continue processing my application. 
I then got the documents they asked for and went online, and faxed them. 

On XX/XX/XXXX Is, when i faxed the documents to capital one customer care team. To XXXX XXXX XXXX at XXXX XXXX  eastern 1 cover sheet 1 page attached documents Then faxed again XXXX XXXX  eastern XX/XX/XXXX Received email From capital one At XXXX XXXX  Saying congratulations Your approved for XXXX $ I received my credit card Activated it Linked it to my other capital one account and my XXXX bank account And then received letter saying they froze my account For concerns around potential fraud. 

I have faxed my documents again and, again They are saying they never received them Including the very 1st time i sent them So they can process my application So now im contacting you Like penfed But this time im not waiting 8 months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have found errors on my Equifax credit report # XXXX that need to be investigated and deleted. I have to complained to Equifax multiple times that XXXX XXXX XXXX XXXX XXXX Is not valid and does not belong to me. I have provided copies of documents that show that XXXX XXXX does not have any contract or any proof of billing for the amount of {$590.00} nor do they have any documents that say that they bought a debt for {$570.00}. This account is not verifable by this company and should be removed. 

I also found that the account from XXXX # XXXX- This company too does not have any contract or any official billing that prove this is my debt- The address listed XXXX XXXX XXXX XXXX Oh XXXX also does not belong to me and was listed by XXXX and should be deleted and removed. 

The following TWO addresses do not belong to me and should be deleted and removed : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX OHio XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm having issues obtaining access to my Equifax credit file. I've had a credit montoring product with Equifax for many years without issue. In XXXX of 2019 after I downgraded my plan to a slightly lower cost plan the issues began. At that point I received an error message each time I tried to access and/or update my credit report. 

For a few weeks I was able to at least access my file and review my historical reports & scores then I was no longer able to access my credit file at all. With error messages like unable to verify identify ; no account found, etc. Anytime I have a credit alert or completion of a dispute investigation I'm also not able to access their online dispute site to check the status of my dispute as it give me the error message 'unable to verify identify '. This is quite disconcerting given my 20 year credit history and multi-year purchasing & access of my file via the Equifax credit products. 

I immediately began contacting Equifax and apprising of the issues. Each time they indicated they would escalated to technical support which would take 7-10 day for someone to reach me back. But that never happened. For the last 5 months I've called the credit bureau and have spent 30-40 hours via phone to try and get this resolved. Additionally, I've sent request via XXXX and each time they tell me they will investigate but nothing ever happens. 

Coincidentally, I just happened to try to log on in early XXXX and was able to purchase a new plan and access my file. This was successful for about 2 weeks, albeit sporadic, but since XX/XX/XXXX have not be able to access it and received similar error messages. As recent as XX/XX/XXXX I spent 6.5 hours on the phone with various customer service reps across various departments but to no avail. 

This issue is having a downstream impact to other agencies and companies inability to access my file as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I try to obtain my credit score they won't let me go to sleep but they say it but it says I still can't get it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: GA

Complaint narrative:
I try to obtain my credit score they won't let me go to sleep but they say it but it says I still can't get it

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 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: UT

Complaint narrative:
This debt collection agency has never called, emailed, mailed or made any attempt to reach me regarding this debt. I only discovered it due to a credit report after they had been reporting it for more than a year. Upon discovering the derogatory mark, I reached out to the company to explain that the contract they were attempting to collect on was my Father 's of the same name who passed away in XXXX of 2014. I don't even know how they got my social security number. It is troubling that they would take the time to find my social and report me to a credit reporting agency, but they won't take the time to send an email, make a call or lick a stamp and send an envelope! They say they have a signed agreement that proves I agreed to the contract and payments with XXXX and that I provided XXXX my social security number, yet they have failed after several attempts to provide this evidence. I have NEVER given XXXX  my social security number nor did I agree to any charges. My Father may have, but I did not and it is for this reason they fail after several requests to provide this evidence. If I signed this contract and provided my social security number, than the burden of proof lies with them. For this reason alone they should drop the matter and remove all derogatory marks from my credit reports. They should take a serious look at their lazy tactics as well. Call, email or mail someone you're trying to collect a debt from. Hurting their credit until they pay is more along the lines of extortion than it is an honest attempt to collect a debt, whether a legitimate debt or not. In this case, it is not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1, Bank of America credit card company created difficulties for me to pay my bill in the past several months and find excuses to charged me fees. I have to call them every month to pay my bill even though I set up automatic payment.

2, When I called them, them gave me hard time every time, kept me waiting for over one hour and still didn't want to get the problem fixed.

2, it transferred money from my checking account without my permission and wouldn't allow me to canceled it.

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 2019-07-11 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: GA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I reached out to the FTC and my local police. I'm also doing this on my own behalf. These items need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that dont have a name but the account number is 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 non-monetary relief
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
My loan was transferred to PHH on XX/XX/XXXX. I received a notification that PHH would be taking over the processing of mortgage payments. I was advised that no action was required on my part, except the payment address. I was on bi-weekly automatic withdrawals from my bank for years so I changed payee mailing address and I thought I am done. 
When I checked my first statement from PHH I found out that I am overdue for my payment. It was surprised, since I am on biweekly payments and always ahead of my due date. My 1 st due date with PHH mortgage service was on XXXX, XXXX. PHH company received my payments for this due date on XXXX, XXXX XXXX XXXX {$830.00} XXXX and XXXX, XXXX, XXXX XXXX {$830.00} XXXX, it was showing on my account activity.. 
So I called to PHH mortgage immediately and explained that I am on biweekly payments and already submitted my payments for XXXX by XX/XX/XXXX. The PHH representative told me not to worry about it and as he said he sent request to fix this problem. Unfortunately, it was not fixed. I called several times ( needless to say 40 minutes on hold ) and send emails, but nothing done. PHH Mortgage services misapplied my regular payments as principal pay down and then reporting the payment as late. Now it's a domino effect. PHH imposed the late fees on my account and refused to waive it. Its a night matter. 
PHH were not able accurately serve its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: GA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I reached out to the FTC and my local police. I'm also doing this on my own behalf. These items need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that dont have a name but the account number is 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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I reached out to the FTC and my local police. I'm also doing this on my own behalf. These items need to be deleted from my credit report XXXX, US Dept ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that dont have a name but the account number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
This letter is to file a complaint after several writting to this collection agency nothing was resolve I never in my life have spring service now im getting bill for {$1400.00} for spring and this collection company it was report to all my credit I even called the collection company to send me prove that when was this account was open no prove was sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent in several dispute letters to have certain items removed .. I received an updated credit report with the same negative accounts reporting stating before and after but they are the same .. I requested original documentation be mailed to me with my signature I did not receive it ..

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 2019-07-11 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: PA

Complaint narrative:
Dear EXPERIAN : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly DELETE!! 

XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX   Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/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 2019-07-11 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: Penn Credit Corporation
State: PA

Complaint narrative:
PENN CREDIT is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. See the reporting inaccuracies below and how each bureau is reporting Date Opened : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Last Reported : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Date Last Active : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX See attached credit report for proof of inaccurate information that is affecting my ability to obtain new 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 2019-07-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent in several dispute letters to have certain items removed .. I received an updated credit report with the same negative accounts reporting stating before and after but they are the same .. I requested original documentation be mailed to me with my signature I did not receive it ..

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