vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
To Whom it May Concern : I have been a customer of XXXX XXXX then Navient for about ten years. I have always made my monthly payments. This month ( XXXX ) was extremely hard on me financially. I called Navient and asked if I could have a forbearance just for XXXX. I will be able to pay XXXX. As stated before I have paid monthly since I acquired the loan. I was told there is a {$100.00} forbearance fee. My loan payment is about {$170.00} a month. If I ca n't afford {$170.00} why would I be able to pay {$100.00}. I have federal student loans and have never been charged a fee. They stated that this fee will be applied toward my loan. I do not have the monthly payment and I do not have {$100.00}. I find it unfortunate that a company that I have had a good relationship with for ten years is unwilling to Assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX Hospital in XXXX XXXX Colorado flatly refused to submit a request for payment to XXXX, even though it was thoroughly explained it was set up as a secondary form of payment. Previously they have a debt that was paid by workmens compensation as still owed also. 
They were repeatedly told to take this matter to the XXXX county court if they wanted to prove their claim, and neglected to do so. 
State Collection in Wisconsin then made false claims about owing this debt, and was also informed about their " CLIENTS '', willful neglect to use the proper channels to answer why they neglect to submit payment to an authorized provider. and to take it to the proper court in Colorado, if they wanted to establish any claim, and they also neglected to obey the law, instead slandering me with their coconspirators XXXX and XXXX, whom willfully and knowingly post these slanderous statements, even though they were informed about this failing to follow the requirements of the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified, first by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax clearly gives out a randomly generated answer and does not base this off actual XXXX or XXXX. This is blatantly an abuse to try to receive revenue from identity theft services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
I have a collection on my report that belonged to my XXXX ex husband. Even though it was his and not mine i still paid it and the company removed the item from my credit report. Now another company is attempting to collect the same debt that was paid thru the other company and have put a new collection on my credit report. I have attempted to get the collection removed from my credit report with the XXXX credit bureaus but they are not removing the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: College Foundation, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I was past due on my College Foundation Inc student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XX/XX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as 120-149 days past due. In XX/XX/XXXX, I was also approved for the Income Based Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XX/XX/XXXX. My accounts are still reporting as past due. On XX/XX/XXXX, I faxed copies of my XX/XX/XXXX, and XX/XX/XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at XXXX she could not use the info. I called College Foundation to see what they were reporting they are claiming that they have been reporting my current status as of XX/XX/XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies XXXX, and XXXX again and they said it is XXXX updating a past due status because they corrected it on XX/XX/XXXX and on XX/XX/XXXX XXXX reported it late again.

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 2017-09-11 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: NC

Complaint narrative:
On XXXX XXXX I was past due on my XXXX XXXX XXXX student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XXXX/XXXX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as XXXX days past due. In XXXX, I was also approved for the Income Based Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XXXX/XXXX/XXXX. My accounts are still reporting as past due. On XXXX XXXX, I faxed copies of my XXXX, and XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at XXXX she could not use the info. I called XXXX XXXX to see what they were reporting they are claiming that they have been reporting my current status as of XXXX XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies XXXX, and Equifax again and they said it is XXXX updating a past due status because they corrected it on XXXX and on XXXX XXXX reported it late again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.

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 2017-09-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.

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 2017-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I already have a complaint filed XXXX. However the person at Wells Fargo who is assigned to handle my complaint knows absolutely nothing about the HAMP program and how it works. She should not be in her position. Her name is XXXX and the phone number I was given for her direct line is XXXX Ext XXXX. She is incompetent and is also refusing to give me timely information. I am requesting a copy of my specific lenders guidelines on a HAMP modification, A copy of a phone call made on my behalf on XX/XX/XXXX, Also a copy of HAMP rules stating the number of modifications, forebearances, and repayment plans allowed to an individual. I am also requesting that if these can not be given to me within 48 hours ( by Wednesday XX/XX/XXXX ) I am requesting a postponement on my foreclosure sale. I have been told so many different things and been lied to by my lender. I want all of the rules in writing this time.

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 2017-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX Equifax removed a charged off account from XXXX XXXX from my credit file. On XXXX XXXX, XXXX Equifax reinserted the information on my credit file without providing me a written notice within 5 business days. This is a clear violation of the fair credit reporting act which states : ( B ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL. -- ( i ) CERTIFICATION OF ACCURACY OF INFORMATION. -- If  any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) NOTICE TO CONSUMER. -- If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Knight Adjustment Bureau
State: CA

Complaint narrative:
In or around XXXX 2016, I paid the credit card balance in full for the amount of {$640.00} for my membership in this correspondenc Accounting Course. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory account from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Phoenix Recovery Group has put a collection on my credit report for a debt that I did not commit it was identity theft and I have told him several times and even sent over documents from identity theft police reports and identification and they refused to take it off my credit saying that the signatures match but of course if a person commits fraud and they have your information then they are able to forge signature when they have it in their presents and I explain this to them and they still use the signature match as an excuse to not remove the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax mishandled my personal information including Name, Social Security number
, Address, Date of Birth and others resulting in a data breach in 2017. Equifax has put myself and millions of others at risk of identity theft and fraud due to negligent security protocols in handling consumer information. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical
behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion refuses to provide me my free annual report. This has been a problem for the last 5 years. Transunion does not allow me to view my report online.

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 2017-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
I have called Business and Professional Services numerous times over the last three years to verify the collections that they are reporting on my credit bureaus. My daughter and husband were both sick at the same time and while I tried to keep up with all of the insurance claims and status I just could n't. When I called originally the company was reporting such a small amount that I offered to pay the accounts if they would delete them from my credit report because I was unsure which ones had been paid by insurance and which ones had n't. They said they would be happy to delete if I paid the accounts in full and I was prepared to but then the phone rep came back and said there were older accounts that were not on my report and in order for them to delete any accounts they would ALL have to be paid in full. The total was almost 700.00 more than I planned so I declined and told them I would get with the original creditor and my insurance company to verify that they had not paid those accounts. Both the original creditor and my insurance company verified that they had no records on the accounts because they were so old. When I called back and spoke to Bus and Prof and explained this they told me they did n't care and that their records indicated I owed it so if I wanted anything deleted I would have to pay it all. I feel like I am being black mailed into paying debt that no one can verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have a collection for XXXX XXXX on my credit report and when i call the company in question to find out what its for they say they have no record of a collection with them but yet its still on my credit report. I have tried numerous times to get it removed from my credit report thru different investigations but have been unsuccessful.

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 2017-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a likely victim of the XXXX data breach. The XXXX site says my information " may '' have been compromised. 

Since this breach, I have been trying to place a credit freeze with the three major companies. I was able to do this easily with XXXX and XXXX without any problems. With Transunion, I have been unable to place a freeze after numerous attempts by various mechanisms. 

First I tried online and got an error message that said " We are unable to complete your request. What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. What to do : Please contact us at XXXX XXXX XXXX XXXX to initiate your security freeze transaction by phone. '' Next I called the number above and provided the requested identification information to the automated system. I got an error message saying that my request could not be processed, so I would be transferred to an agent. 

No transfer occurred. I heard a beeping signal and then Transunion hung up on me rather than letting me wait to speak to an agent, or leave any information for an agent to call me back. 

I have tried all of this multiple times. 

I looked on Transunion 's Contact page. No numbers were listed for credit freezes other than the one that did n't work. 

This is completely unacceptable. Transunion must provide a working mechanism ASAP for me and all other customers whose data they hold to initiate a credit freeze.

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 2017-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently Equifax was responsible for failing to secure highly sensitive information for millions of Americans, myself included. Not only did they fail to secure the information, they did not tell anyone for an extended period of time, and high level executives illegally sold off stock in advance of the news going public, which is criminal. Additionally, their disaster consultation website is a poorly designed and poorly secured tool that returns random information and tricked people into signing up for a free credit monitoring service at the cost of not being able to file a class-action lawsuit anymore. 

These repeated behaviors are both negligent and malicious in intent, and honestly they deserve severe repercussions for such a severe compromise in many Amercians ' peace of mind and financial well-being.

Company response to consumer: Closed with explanation