vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) issued a XXXX to cancel the foreclosure debt in XXXX. In XXXX XXXX  sold my information to XXXX XXXX XXXX ( XXXX  ). XXXX XXXX XXXX purchased the information and some how got a judgement against me in a Wisconsin Court. Dobberstein Law Firm contacted me in XXXX stating they had a garnishment against my wages from a court date that happened in XXXX. I was never notified and did not know about the court date to try to show that the debt was cancelled and no longer a valid debt. Several attorneys have told me that it is illegal to " double dip " meaning getting a tax break from the government by issuing a XXXX and then selling the bad information so that another company can collect. I would like for this to stop. I have notified the Dobberstein Law Firm that this was a cancelled debt and they refuse to stop with the garnishment. Stating that it is a different account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Performant Financial Corporation
State: CA

Complaint narrative:
When the CFPB check my previous and past complaints filed against XXXX XXXX and the XXXX XXXX XXXX XXXX, the information I recently received from a Company calling itself a XXXX XXXX has completely ignored any of the violations, False reporting, fraud, tampering and accounting issues that I was subjected to from these student loan companies. This company calling itself XXXX XXXX XXXX sends out letter after letter requesting full payment of XXXX with a statement " You don't have to break the bank to pay back your student loan. '' My case remains open with XXXX XXXX and I haven't received any updates from XXXX XXXX since XX/XX/XXXX regarding looking into my payment history dating back to XXXX. I have only been informed that the company was still investigating it. I had also requested to be reimbursed for payments that I had made towards a student loan that had been altered/modified by multiple student loan servicing agencies targeting Low Income/Minority students in XXXX California in the Mid XXXX through the early XXXX. My Hardship Chapter XXXX Bankruptcy was ignored, my XXXX XXXX in the late XXXX was rejected and the manipulation, threats, harassment, obscenity and alarming my Employer about this student loan continued for years. This notice for payment is only a continuation of the abuse.

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 2018-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and SANTANDER with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: MI

Complaint narrative:
My daughter purchased a XXXX XXXX earlier this month. I co-signed on the loan with VW Credit. Today, XX/XX/XXXX, i received the first payment invoice, which VW credit gave a due date of XX/XX/XXXX. They also advised, on the invoice, that i should allow for 5-7 days for mailing to ensure payment is delivered by the due date. 

I called VW Credit, spending over 30 minutes on hold, to request a reasonable amount of time. They told me i would have 10 days after the due date ( so, XX/XX/XXXX ) to submit a payment. Given the intervening weekend, and giving allowance to the 5-7 days i was advised, this payment would have to be mailed by this Friday, XX/XX/XXXX. 

VW Credit ( XXXX XXXX XXXXl ) stated that if we made payment within 10 days, we wouldnt be charged a late fee. I requested that they provide that assurance in writing instead of just verbally, they refused, and then stated that they couldnt. They said i should have known that the payment was due on XX/XX/XXXX, as it was in the contract. While this may be true, they did not provide the means for which to make a payment until i received this payment invoice today. 

XXXX continued to tell me everything was in the contract, but abjectly refused to listen or cooperate. I was never disputing what was in the contract, but the unfair and deceptive execution by VW Credit of its obligations under the contract to provide us the means to make timely payments in accordance with the contract without incurring fees ( late fees ) or damages ( credit reporting ). When asked for written assurance, they refused any written assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: MD

Complaint narrative:
I sent Equifax a police report, my XXXX from the time this address and collection of XXXX was reported on my file, and also a dispute letter on XX/XX/2018. Today XX/XX/2018 I give them a call to see the status of the investigation, I was told I would have to wait another 30 days for investigation. I really would like to buy a car but I can not because of this collection and address on my credit file that is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a text from XXXX claiming to be from Chase directing me to what looked like the Chase website ( http : //www.chasexp.co/l ) I was asked to enter my account information and answer security questions to unlock my account, which I did. On XX/XX/XXXX I saw my savings account balance was short {$4000.00} and immidiately called Chase. I was told that on XX/XX/XXXX & XX/XX/XXXX {$4000.00} was transferred out of my savings account via the Chase-XXXX  XXXX app. It was supposedly sent to my mother XXXX XXXX at XXXX XXXX  XXXX. I did not initiate or authorize these transactions and after checking with my mother she never received any notification of these transactions nor any deposits. I will include her bank transaction history to show this ( and she has had the same account for years. ) When I filed the initial fraud claim with Chase I had not connected the XXXX message and the fraudulent account access. 
I have filed a reports with FDIC ( ref # XXXX ), FTC ( ref #  XXXX ), XXXX PD ( report # XXXX ), XXXX XXXX County Sheriff ( report # XXXX ), FBI - IC3, Federal Reserve and a claim w/ Chase ( claim # XXXX ) I have copies/confirmations for each agency. 
Chase at this time has said that the transactions will not be reversed because they believe the transactions were authorized from my device. This is not the case. I believe my IP address was used after being obtained via the false XXXX. I do not believe that Chase is taking this seriously at all but I will be opening a secondary investigation with Chase & submitting the additional information &  documentation I now have. Upon looking into this further I discovered that the text message I received was from a cell # from XXXX XXXX ( XXXX ). Also while looking into my cell phone records I have found that I received one of these phishing text once a month usually on or around the XXXX. Prior messages claimed to be from XXXX XXXX and not having an account there I dismissed the XXXX  and completely had forgotten by the end of the next month. When I received a message claiming to be from my bank, Chase, I assumed it was legit ; not remembering the XXXX XXXX messages until now. 
As well as the 2 trasactions for {$2000.00} each thru XXXX, there were 2 online transfers from my savings account to my checking for {$2000.00} during the same 2 days. I believe whoever is behind the fake XXXX transactions also initiated these online transfers. Again I did not initiate, authorize or even realize there had been 2 specific online transfers ( not made by me ) until getting my transaction history from Chase. I believe that Chase needs to look further into where those online transfers originated as well find out where exactly the transactions went to since their information of XXXX XXXX is incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
Specialized Loan Services ( SLS ) issued a XXXX to cancel the foreclosure debt in XXXX. In XXXX SLS sold my information to XXXX XXXX XXXX ( XXXX  ). XXXX XXXX XXXX purchased the information and some how got a judgement against me in a Wisconsin Court. XXXX XXXX XXXX contacted me in XXXX stating they had a garnishment against my wages from a court date that happened in XXXX. I was never notified and did not know about the court date to try to show that the debt was cancelled and no longer a valid debt. Several attorneys have told me that it is illegal to " double dip " meaning getting a tax break from the government by issuing a XXXX and then selling the bad information so that another company can collect. I would like for this to stop. I have notified the XXXX XXXX XXXX  that this was a cancelled debt and they refuse to stop with the garnishment. Stating that it is a different account number.

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 2018-07-24 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:
On XX/XX/XXXX of XXXX I notified all three major credit bureaus of a breach of my personal information both through the Equifax Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my Equifax and XXXX reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both Equifax and XXXX made it difficult to access my credit reports directly through their agencies, this was off for me because I could access Equifax through XXXX and XXXX  through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however Equifax denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both Equifax and XXXX have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in Equifax, and XXXX high and might oversees customer service team which refuse to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: OH

Complaint narrative:
I have been having issues with my personal information of my credit report not being accurate. The following addresses on my report are not mines. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX, Please remove any variations IMMEDIATELY. They are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was a dispute mailed to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX TX XXXX. In regards to incorrect and non accurate information being reported to my credit file. It was received and signed for by one of the companies representatives on XX/XX/2018. I have not received any such rebuttal for the claims that I marked invalid on my report. I contacted them again and they still refuse to remove or correct the issue at hand. I was told that they never received the letter however I have the documentation showing that it was signed for and accepted by one of their representatives.

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 2018-07-24 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX card svc FAC customer service XX/XX/XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX These inquiries are on my credit report due to idententy theft and fraudulent activity. I would like these inquires immediately removed from my credit report as it is fraud. I have filed a fraud/ identity theft report through XXXX county police depart in Texas XX/XX/XXXX case # 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 2018-07-24 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: DC

Complaint narrative:
The is a follow up to complaint XXXX to be sent to XXXX for response. 

A recent federal government report stated that loan providers like XXXX XXXX provide borrowers with wrong advice. 

In my case, this misinformation has resulted to the following : 6 years worth of payments essentially being wasted. I was put into deferment during my XXXX XXXX XXXX and into forbearance after I completed my service, rather than taking the time to help them understand income-driven repayment. This has caused unnecessary fees and I pay more interest as a result. 

Can I trust your student loan servicer? 
I thought XXXX XXXX had the right answers. I had talked to them on several occasions in XXXX and XXXX about my PSLF and they told me I will pay the amount I had paid for XXXX or XXXX and not {$750.00}. I was told my told I will be notified to make the payment within 60 days. I was informed that I should not worry as my loan will not be reported as delinquent until after 90 days and by that time will have received the notification to pay the same amount I paid in XXXX for XXXX. 

Its not just on payments that I have been misled. XXXX XXXX have misinformed me on : Income-driven repayment Student loan processing errors Failure to help me understand my options when I came out of default Failure to help me understand Public Service Loan Forgiveness during my XXXX XXXX XXXX. 
Incorrect or insufficient information about eligibility, including types of qualifying loans Missed qualifying payments due to processing delays Problems with the job certification process resulting in miscounted payments XXXX XXXX can not say I talked to a customer service representative whos low on the totem pole. XXXX pointed out. This doesnt let XXXX XXXX off the hook. As the governments agents, XXXX XXXX serve the public and should make better efforts to provide accurate information, especially since they benefit from this arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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:
On XX/XX/XXXX I notified all three major credit bureaus of a breach of my personal information both through the Equifax Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my Equifax and XXXX  reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both Equifax and XXXX made it difficult to access my credit reports directly through their agencies, this was off for me because I could access Equifax through XXXX and XXXX through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however Equifax denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both Equifax and XXXX  have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in Equifax, and XXXX high and might oversees customer service team which refuse to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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:
On XX/XX/XXXX I notified all three major credit bureaus of a breach of my personal information both through the XXXX  Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my XXXX   and Experian reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both XXXX  and Experian made it difficult to access my credit reports directly through their agencies, this was off for me because I could access XXXX through XXXX and Experian through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however XXXX denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both XXXX and Experian have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in XXXX, and Experians high and might oversees customer service team which refuse to correct 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 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I attempted to place a freeze on my credit through Equifax. I was not able to authenticate through their website so I mailed and uploaded all the salient documentation. I never received the 10 digit PIN that was supposed to come in the mail. 

Today, XX/XX/XXXX, I tried to remove the freeze, while sitting in the business office of XXXX XXXX in MI. Having sent in all the relevant paperwork I figured I should be able to authenticate on the website. I was not and the system placed a block on my attempt to unfreeze my credit. I spoke with a representative and received no results. Even after answering all of their validation questions, I was told I would have to send in all the same information I had sent before. 

Upon returning home, I found the last credit report I have from Equifax, which is dated XX/XX/XXXX. I realized that they have a last name for me that I have not used since my divorce in XXXX. I feel as if I am being penalized and inconvenienced for the inaccuracy and antiquity of their data. 

Given their extremely " short '' customer service hours, I will try again tomorrow to speak with a " live '' person and once again prove that I am whom I say I am. 

Credit bureaus have far too much power over the events that shape our lives to have faulty misinformation as the basis for their decisions.

Company response to consumer: Closed with explanation