vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: PA

Complaint narrative:
The XXXXXX/XX/XXXX, in XXXX sent a " judgement letter '' to my home saying I owe " XXXX XXXX XXXX '' XXXX dollars. This was opened ( checked credit report ) in XXXX XXXX?? I never got or my parents, since they get the mail here, and I would have known about this card for XXXX XXXX XXXX. and why now the dispute or this case, which I have no knowledge of. They now put this report into my credit report?? as of yesterday, after I wrote the back and told them this account is NOT mine. and it was NOT in my credit report?? This account was opened in XXXX XXXX, Texas?? I lived in PA at that time. According to the report they added, this was taken out in XXXX of XXXX  I did go to XXXX XXXX that year of XXXX and returned to PA in XXXX?? I have no idea who would open a card in my name. I lost my card there twice! ( in XXXX ) and my phone was stolen as well, and had to retrieve my social security card after I got back to PA. There is no way I could have opened up a XXXX  XXXX XXXX XXXX?? Something I have no idea of. I need the law firm to investigate this since I do not own this card or ever have. I have also a credit card which was never used at a " XXXX XXXX  XXXX '' opened as well?? ... which is not mine, and I never applied for this either. I believe I have been the victim of some stupid identity scam. I reported this dispute with the Credit report companies as a dispute? I know what and who I owe, but not this card or the other

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/2016 i was faced with having to move out of my apartment, i contacted the loan agency stating i wouldnt not be able to make payments for this month but i am able to pay it off in the following months. They agreed but later on i see a late payment even though i finished my payment and closed the account the late payment is still being shown, Please assist me in this matter im also fighting unfortunately late payment for my XXXX XXXX payment which occurred around the same time. I have been consistent since and all my accounts are in good standing. I would love to get a home and start a family, unfortunately my credit score is at a major halt due to these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet student loans provider 1 ) I have been in contact with Nelnet several times over the last 6 years, I would sporadically call in to check on my Public service forgiveness. I was always told that as long as I didn't miss a payment, I was in good standing to receive this forgiveness after my 10 years of payments. I recently found out that I do not qualify after being told that I did for years. 
2 ) On one of my calls checking on my public service forgiveness, I asked for details on when my Loan would qualify for forgiveness ( time frame ). Later that week or month i was told that my payment was going up from {$150.00} to {$180.00}. Date of conversation was around XX/XX/2014. Only explanation i received was the payment was miscalculated. 
3 ) I do not believe this was Nelnet but somebody refinanced my loans without my knowledge or agreement. I asked for those documents from nelnet and was told the only way to get those was through a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CONTRACT CALLERS INC
State: NC

Complaint narrative:
When I answer, the person gives me a name, but refuses to state WHY they are calling. I do know that I owe 2 companies that I plan to pay ; however, when this number calls, they just keep asking ME my name, etc., and refuse to say who they are calling for. 

I therefore am not even sure if they are calling me correctly, for whom they are calling, or who they are. 

It is hard to discuss what I assume is a debt when they do not say what company they represent. They also call SEVERAL times a day, including while I am at work and can not answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2016 i was faced with having to move out of my apartment, i contacted the loan agency stating i wouldnt not be able to make payments for this month but i am able to pay it off in the following months. They agreed but later on i see a late payment even though i finished my payment and closed the account the late payment is still being shown, Please assist me in this matter im also fighting unfortunately late payment for my XXXX XXXX  payment which occurred around the same time. I have been consistent since and all my accounts are in good standing. I would love to get a home and start a family, unfortunately my credit score is at a major halt due to these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/2018 I received a promo finance charge in the amount of {$820.00} from XXXX XXXX since I did not pay my balance in full by the one year period. I have no issue with this charge but, on XX/XX/XXXX I received a duplicate finance charge in the amount of {$820.00} once again. I have since paid my balance in full and, contacted the creditor on three separate occasions attempting to retrieve my {$820.00} but, I am always given the same response " It is because I didn't pay in full by the end of the promo period ''. I understand that is why I received the initial {$820.00} promotional finance charge but, I should have not received an additional finance charge of the same amount during the same billing period for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-04-30 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: FL

Complaint narrative:
A

ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Sign
ature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-04-30 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: FL

Complaint narrative:
There are a couple items that should not be listed on my credit file which are XXXX XXXX # XXXX - See attached deletion notice, remove this item per the company they sent a deletion notice and it is still on my credit file XXXX XXXX # XXXX -Company stated they requested a deletion why is this still listed on my 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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The XXXX law offices of XXXX, in XXXX sent a " judgement letter '' to my home saying I owe " Bank of America '' XXXX dollars. This was opened ( checked credit report ) in XXXX XXXX?? I never got or my parents, since they get the mail here, and I would have known about this card for Bank of America. and why now the dispute or this case, which I have no knowledge of. They now put this report into my credit report?? as of yesterday, after I wrote the back and told them this account is NOT mine. and it was NOT in my credit report?? This account was opened in XXXX XXXX, Texas?? I lived in PA at that time. According to the report they added, this was taken out in XXXX of XXXX I did go to XXXX XXXX that year of XXXX and returned to PA in XXXX?? I have no idea who would open a card in my name. I lost my card there twice! ( in XXXX ) and my phone was stolen as well, and had to retrieve my social security card after I got back to PA. There is no way I could have opened up a Bank of America Card?? Something I have no idea of. I need the law firm to investigate this since I do not own this card or ever have. I have also a credit card which was never used at a " XXXX XXXX XXXX  '' opened as well?? ... which is not mine, and I never applied for this either. I believe I have been the victim of some stupid identity scam. I reported this dispute with the Credit report companies as a dispute? I know what and who I owe, but not this card or the other

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 2018-04-30 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: WI

Complaint narrative:
Over the last decade I have been attempting to make a plan with Navient to repay my student loan. The loan was given to me then during a period of time my ex-husband was laid off so it was in deferment, then I was divorced and it was in deferment. I called multiple times over the years to inquire about repayment plan options in order to set up paying it off and getting rid of it. Instead it has continued to accrue interest and is now at at almost unmanageable loan amount. I initiated a income based repayment plan and I will be applying to the public loan forgiveness program ; yet if there are any other options for me to rid the Navient loan or switch it to another service I would like to. I am struggling to get the information I need from Navient, plus I received poor information previously to " just keep it in deferment '' without knowing the interest was gaining the whole time. I was informed that during hardship and while I was in school interest would not acquire. In reality it has gain interest cost this entire time. 
I am not sure if anything can be done about this, but wanted to at least bring it to light. Please advise or assist if there is anything that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: FL

Complaint narrative:
There are a couple items that should not be listed on my credit file which are XXXX XXXX # XXXX - See attached deletion notice, remove this item per the company they sent a deletion notice and it is still on my credit file XXXX XXXX # XXXX -Company stated they requested a deletion why is this still listed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: FL

Complaint narrative:
There are a couple items that should not be listed on my credit file which are XXXX XXXX # XXXX - See attached deletion notice, remove this item per the company they sent a deletion notice and it is still on my credit file XXXX XXXX # XXXX -Company stated they requested a deletion why is this still listed on my 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 non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX I requested modification from Chase bank Was told account was up to date can not qualify for modification unless past due Allowed two months to past and no mortgage payments were made, now past due Called back Chase and they initiated modification process Received correspondence about every 2 to 3 months from Chase requesting updates on my wife and me Completed forms for update and faxed back from a local Chase branch when each request was made About XX/XX/XXXX was advised modification was denied did not qualify The modification underwriter stated that my household income was to high Appealed denial on how it was done or processed and presented to me Received call a back on about XX/XX/XXXX from modification underwriter that my appeal of modification denied because no changes and we should consider a quick sale or a foreclosure Also he advised that my modification was originally denied from the beginning and because of mortgages regulations that they follow, had to continue processing under denial Asked him why was this denial allowed to go for almost one and half years if denied at an earlier stage. said had to follow banking regulations Was referred to a non profit organization HOPE to assist called HOPE and referred to XXXX ( financial solutions ) spoke with XXXX took down all my information and is under review

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: IL

Complaint narrative:
Navient is an absolutely terrible company to deal with. I make payments of hundreds of dollars only to be called the next day to be told I still owe hundreds of more dollars on " other '' loans. I've setup payment plans that they have cancelled without my knowledge. Most recently, I just recieved a call stating that my loan is 100 days past due and that I owe them {$2500.00} immediately when I was under the impression that I had a payment plan in place. When I told them that I don't have that amount right this second, the man on the phone said " account noted '' and hung up on me. Really? This is how you treat people that pay your company huge chunks of their income? 

I've been consistent with my payments over the past decade but the way they have treated me over the past year is extremely frustrating and uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: NC

Complaint narrative:
My credit score recently declined with Equifax. From XXXX to XXXX. I used a line of credit that was already open to pay off other higher accounts. They apparently saw the increase on one side but have not recognized the subsequent decrease and immediately dropped the score. The amount of credit used did not increase only shifted to another lender.My attempt to get thru to a live person to go over this has been useless, and they tell me that NC is not a state I can get a free report in via the automated system I have tried to connect with a human on three occasions and that option is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I have applied for the Public Service Loan Forgiveness program multiple times. I was enrolled for a few months before I consolidated my loans ( early 2017 ), at which time they told me I would need to re-apply. Over a year later, I still have been unable to get my PSLF application approved because I have " missing documentation ''. I even went so far as to upload all of the correct paperwork while on the phone with a representative to verify they had everything they needed. Once that was verified, I thought it would work, but I still have not had any payments go towards my PSLF. I have now lost over a year of qualifying payments and don't know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I have been attempting to try and remedy negative marks on my credit score by paying off past due debt. Last week I contacted Online Info Services regarding a {$600.00} past due XXXX XXXX XXXX from when I was laid off and ended up selling my house. I initially tried to challenge the amount because I believe it was inaccurate but at this stage I just want it off my credit report. 

When I called today to try and may payment arrangements, the first representative was nice. She told me my only option was to pay the balance in full or make 3 installment payments of {$200.00} each every two weeks. I can not afford that so I explained to her I wanted to set up bi-weekly payments of {$50.00} a week to get the bill paid in full. I also told her I have student loans I am paying on top of my regular bills and medical expenses. She placed me on hold and sent me to a manager. 

The manager was rude, belittling, and insulting. She was not concerned that the debt was incurred during a time I was laid off for more than a year. She basically said my offer to pay what I could afford was unacceptable. If I didn't pay in full, or do the three installment payments she would not accept anything. Period. 

This is a bullying tactic that should not make consumers feel less than human when they are trying to pay off what is owed. I called on my own to make arrangement. I offered to have the payments made every two weeks until paid in full but she basically said what I could afford was unacceptable and her company rejected any attempts to accept a payment from me. 

I've reached out to XXXX XXXX of Ohio to also see if they can step in but I have no other recourse but to file a complaint against them for abusive collection tactics.

Company response to consumer: Closed with explanation