vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
XX/XX/XXXX Dear CFPB, Navient remains a thorn in my side and continues to lie, mislead and when I ask for assistance from their Office of Customer Advocate, what I get is a person named XXXX XXXX who I view and as Id imagine any judge in this country will see as an advocate for Navient ; not the customer. This is a company that is being sued by five States and the CFPB. 

As you will see in this complaint. XXXX changed a document on page 31 ( last page of attachment [ Navient XX/XX/XXXX COPY ] ) stating FALSE information in order to make me pay more interest and bluntly creating false information which has to be committal of XXXX on her part. My XXXX is attached as well, states that my XXXX was approved XXXX XXXX Approved XXXX COPY ). 

Furthermore, as you will see in her letter, she states, Unfortunately, we are unable to transfer your loan to another lender. How is this helping me as a Customer Service Advocate? On the contrary. Shes saying, Im stuck with Navient and therefore without can not have another Student Loan provider. Is this a JOKE? 

Further, furthermore, XXXX is not proving me with any loans that were already paid for before XXXX. Why would I pay for loans that dont even exist? 

This company has pushed me to defer and to claim forbearance for many many many years. Do you think me or any sane person would ask for XXXX XXXX instead of a plan that would allow them to avoid it? Are you serious? This is a joke. NO judge, I believe would put a person as such financial risk and subject them to the levels of stress, anxiety and corruption as Navient has done to MILLIONS of people. Persons they call customers. 

Here 's another lie, " Additionally, it is important to note that the majority of your deferment or forbearance requests were submitted electronically, without speaking to a representative. '' I called and spoke to your reps all the time. You just prefer to lie and say I didn't. Your track record of lies speak for itself. 

And they keep up with this XXXX, You first enrolled in XXXX in XX/XX/XXXX ; however, we first sent you notification of repayment options, including XXXX, on XX/XX/XXXX. 

I never received any information about the XXXX until I first read an article in Time magazine. I demand those year be retracted and an apology letter sent along with some major loan forgiveness asap. 

While I was studying for my second Masters and PhD, Navient was still trying to get me to take out loans. This was in XXXX, XXXX, XXXX and I think XXXX. 
The buck STOPS here Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma is reporting wrong information about XXXX account. It is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
on XX/XX/2019 I send it a check to XXXX XXXX XXXX from my financial institution td bank and days later XXXX XXXX XXXX tall me that they do not have the check and when to my td bank and they said that XXXX XXXX cashed the check and print out a copy of the canceled check. 
then we file out an affidavit on XX/XX/2019 but a this time l 'm looking to have a solution from my bank because they had to know who cashed and reimburse or credit to me. 
l when to td bank today and the manager was very angry saying that he doesn't know it make take six months to have an answer, and l ask to have the amount of money credited to my account and he said there is not provisional credit which I think it is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
2nd CFPB Claim : To whom it may concern : I have tried to close my loan via short sale. I continue to submit offers to US Bank Corp, however, HUD and US Bank continue to deny it because the appraisal that was submitted is much higher than what the homes are selling for in my neighborhood. 

I have submitted a reasonable offer for which they continue to reject it. The difference in the amount they are willing to approve is only {$2000.00}. They misquoted the sale price for the surrounding homes by over {$5000.00}. My deadline is XX/XX/2019, to submit an approved offer, which then either forces me to foreclose on my home and/or have to submit for a deed in lieu. I don't understand the logic behind this or if it is categorized as a deceptive business practice under the law and subject to fines and penalties whether done intentionally or unintentionally. 

As you know, I have been working on this file for several months and truly need the CFPB assistance. 

Thank you, XXXX 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 2019-04-22 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: CA

Complaint narrative:
three student loans ( dept of edu XXXX ) and one ( XXXX XXXX XXXX ) are reporting under my equifax credit reporting agency, these are inaccurate and fraud accounts, please find attached my police report that i have inquired for being a victim of ID theft, these are not my accounts, please have equifax remove these inaccuracies since i have been disputing with them for the longest time, then these were removed and placed back after three or four months, they aren't even sure what they are doing, i have called so many times they know me already, but no one can solve my problem please you are my last hope since you are the voice of consumer thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
Phoenix financial service acct # XXXX is trying to collect a debt on an ambulance bill. I was asking for more information like an original bill and for a breakdown of the charges. After I wrote them a letter on XX/XX/2019 asking for information, they reported me to the credit bureau on XX/XX/2019 which brought down my credit score. I feel like this is retaliation and plus the last time I was in an ambulance, I had Obamacare. Can I get a copy of the original billed with a breakdown of charges mailed to me? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CA

Complaint narrative:
This complaint is regarding Violation of verification and reporting of. Negative items ( revolving account ) on my credit report ( s ), where I personally contacted XXXX and verified with the company that they do not verify or provide information to 3 party credit reporting agencies. How is it possible, EQUIFAX is reporting a negative XXXX account Your assistance is greatly appreciated. Out of the 3 CRA only EQUIFAX is reporting this account that is not my account/ never had an account with XXXX XXXX, incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX reported me 30 days late for XXXX and XXXX. I had made payment arrangements with them for hardship to take money from checking account. Because of this my score dropped 40 points. They assured me this will not happen. That is why I made the payments arrangements. They have me on a 12 month payment plan. They need to update all 3 reports and take the delinquent status off!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 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: Navient Solutions, LLC.
State: PR

Complaint narrative:
Navient is reporting 2 closed accounts of XXXX to XXXX with late payments on XX/XX/XXXX however these accounts were on deferment at the time.. This accounts were paid in full long time ago. I tried to fix this problem several times with Navient and XXXX and the outcome always is that they don't fix It. I am a XXXX % XXXX veteran and this issue is affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CA

Complaint narrative:
ten student loans from ( US DEPT OF EDU ) are reporting under my equifax credit reprt, i have been disputing for the longest tim e, i keep telling them these are not mine, and they are not helpful, the student loan belong to someone else, but not mine, i will be attaching my police report and the FTC report that i had provided equifax as well, please have them remove these inaccurate and fraud accounts from my credit file thank you for your help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA

Complaint narrative:
We made a final payment to XXXX XXXX XXXX on XX/XX/XXXX and settled the debt owed to a hospital from an emergency room visit. 
On XX/XX/XXXX another collection agency, Wakefield and Associates, Inc, sent a letter attempting to collect that same debt that was already paid. Wakefield was contacted by us and they were asked for details about the debt they were attempting to collect. Once the interest that Wakefield was charging us had been subtracted it was found the details for that debt matched the debt already settled with XXXX XXXX XXXX. Both agencies, as well as our own copy of an original hospital bill have an original balance of {$290.00} and the date of service as XX/XX/XXXX. On XX/XX/XXXX a letter of dispute was sent to Wakefield and on XX/XX/XXXX a paid in full notice from XXXX XXXX XXXX was sent to them. Wakefield has again contacted us on XX/XX/XXXX attempting to collect a debt that has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL

Complaint narrative:
I received a letter today XX/XX/XXXX from an Rausch Sturm attorney at law with my maiden name stating I owe {$13000.00} for XXXX XXXX XXXX. I have been married for 18 years and have not used my maiden name since XXXX. I dont remember using XXXX XXXX XXXX for anything financial prior to that or since I have been married. The letter states payments need to be made to XXXX XXXX XXXX. I have not called this company due to scams. I do not think this is legitimate as the Statue of Limitations would be in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX has an amount of {$2300.00} on my credit report with the original creditor being XXXX. 

I initially made XXXX aware I had no knowledge of this account and let them know that I was on SSI XXXX and unable to even attempt to pay just to get it off my credit report. 

Then around after XX/XX/2019 I began receiving letters from XXXX XXXX ( at an older address of XXXX XXXX XXXX XXXX NY XXXX ) stating that I owe the amount of {$2300.00}. I responded one time via mail declaring all that I just said here. 

Clearly that letter fell on deaf ears as I received 2 letters since ( to hew address of XXXX XXXX XXXX XXXX XXXX NY XXXX ) as well as MANY phone calls ranging from XXXX to XXXX with blank or static noise filled voicemails. I feel harassed and intimidated by this company. 

Unfortunately, due to the financial difficulties I have being on SSI XXXX I can not do much so I am coming to you for help. All I would kindly like done is for this company to remove this so called debt, information and remarks and from my credit report and I will remove complaints I've filed with other agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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 is reporting 2 closed accounts of XXXX to Transunion with late payments on XX/XX/XXXX however these accounts were on deferment at the time.. This accounts were paid in full long time ago. I tried to fix this problem several times with XXXX and Transunion and the outcome always is that they don't fix It. I am a XXXX XXXX  XXXX veteran and this issue is affecting me.

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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I'm not sure we I received a collection on my account. This isnt my debt. I would like this removed immediately. I never cosigned after the first year in XX/XX/2016. They have no records. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: CA

Complaint narrative:
My compliant is against all 3 Credit bureaus, XXXX, XXXX and Equifax. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I asked this company to send me detailed information regarding this debit, so I could know what the breakdown of the charges were. The only thing I got was a print out showing what I owed. It looked liked something that I could have typed up on a computer. I just want to make sure I owe this amount or if this amount belongs to someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Went to the website to try to update my information but their website declined to delete old information and update the new one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My compliant is against all 3 Credit bureaus, XXXX, Transunion and XXXX. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX/XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.

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 2019-04-23 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: CA

Complaint narrative:
My compliant is against all 3 Credit bureaus, Experian, XXXX   and XXXX. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.

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 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: KY

Complaint narrative:
I wrote a letter and sent it certified ( XXXX ) asking for a breakdown of charges on the account and the letter came back to me ( return to sender ) from USPS. I would like a breakdown of the charges on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Went to the website to try to update my information but their website declined to delete old information and update the new one.

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 2019-04-23 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 am a victim of identity theft. On XX/XX/XXXX after numerous attempts to get Equifax to remove two incorrect items, I sent them a package which included a cover letter, a copy of my credit report, a Police Report, and FTC Identity Theft Report and an FTC Affidavit and a printout of the Law - FCRA 605 ( b ) with all requisite identification asking them to remove the two identified fraudulent items. The package was delivered on XX/XX/XXXX. According to the Governing Law as stated in FCRA 605 ( b ) Equifax is required to remove the items from my credit report within 4 business days of receipt. It has been over 4 business days, and this item is hampering my ability to purchase a home. Additionally, Equifax has been conducting investigations on this matter since XXXX or XX/XX/XXXX. XXXX  and XXXX  removed the items in question in XXXX - approximately 4 months ago. I ask Equifax to remove the items as soon as possible and then provide me with an updated credit report.

Company response to consumer: Closed with non-monetary relief