vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 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: AR

Complaint narrative:
My student loans are part of the PSLF program. I am a XXXX  and have worked in a XXXX since XXXX. I have accumulated at least 5+ years of qualified payments under the PSLF program. As of my most recent yearly employee re-certification form they ( Fedloan servicing ) is saying that I've only made 9 qualified payments. I contacted them ( Fedloan servicing ) on XX/XX/XXXX about their mistake. On XX/XX/XXXX I received a bland e-mail saying my account was in review. It is XX/XX/XXXX and have yet to have this problem resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 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: VA

Complaint narrative:
I already reached out to Equifax and to XXXX, XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: VA

Complaint narrative:
I already reached out to Transunion and to XXXX, XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit 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 2020-02-06 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: CA

Complaint narrative:
-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$20000.00} -This is not my account. 

3. XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$9600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$13000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$9000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a loan amount of {$150.00} -This is not my account.

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 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
on XX/XX/2020 I contacted enhanced recovery company who had no listing for a XXXX debt. instead they continuously talked about another company what i thought i owed them. I Asked for itemized proof and they said they could not verify the debt. If it is not XXXX  please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
Hello CFPB, I need your help! 

In short, and I have included more information attached, I cosigned a car loan for a friend of mine back in XXXX of XXXX. My friend, unbeknownst to me, was unable to make his car payments in XXXX and the bank in question, Santander Consumer USA, reported a debt collection on my credit and never notified me. I would have been happy to pay off the car loan if they had reached out! In fact, in the past Santander has called me a couple times when my friend missed a monthly payment, and I was able to call him and have the payment sent to them immediately. They have my phone number and address. If I was told by Santander that there was a problem I would have handled it, after all, that's the purpose of a cosigner. 

Unfortunately Santander rushed to report an unpaid debt and collection on my credit report, which is the first time I found out I had a debt collection!!! I was in the midst of buying a house and I was denied the loan because of the debt collection that I had no idea of. 

I immediately called Santander and offered to pay the debt off. The only thing I asked, and still am asking, is that because they never, not once, notified me that a debt was owed and was going to collections, that they request it to be removed from my credit report. Unfortunately Santander has refused, even if I repay the debt, to request of the credit rating agencies that it be removed from my credit report as a mistake. 

Please help me! Having this collection on my credit report has grossly affected my ability to get a home loan build wealth and I have incurred immense legal fees. I have hired a lawyer, who has sent them repeated requests citing the notification laws, asking them to own up to their mistake and ask the credit rating agencies to remove the debt from my credit report as a mistake. If they do this I am happy to pay the debt, I'll pay it tomorrow! But if they are unwilling to have the negative action removed from my credit report I can not in good conscious let a bank, Santander, get away with screwing me and my credit when it was their fault that they did not notify me. Santander has not been able to show any proof that they sent me any notification, despite multiple requests to do so from my lawyer. I have attached the letters from my lawyer to them making this request and citing the law that they had to notify me before reporting a negative action. 

Please help me fight against this bank and make things right! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I received a credit monitoring alert on my credit file that Tower Loan MS pulled my credit. This was a hard inquiry on my credit profile and without my permission. This is the 2nd time,1st time was on XX/XX/XXXX. I am late paying my payment but Ive been unemployed and just now started back working. I will definitely be catching it up or paying off in the next couple weeks. I would like to file a complaint for this company for pulling my credit profile without my permission on XX/XX/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 2020-02-06 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: CA

Complaint narrative:
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 

3. XX/XX/XXXX with ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$9600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a loan amount of {$150.00} -This is not my account.

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 2020-02-06 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:
-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$150.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have purchased Equifax Complete Premier Plan, and I have been unable to access my daily credit reports with receiving the same error code for months. The code is XXXX XXXX   : XXXX XXXX : XXXX. XXXX XXXX : XXXX I have called maybe 20 times to try to resolve the issues mainly being hung up on by the Equifax representative. No one is able to access my credit report, and it is affecting me, adversary, as I am trying to move. 

I spoke with the last rep at XXXX told me that my file was mismatched. He then transferred me to XXXX, which in turn transferred me back to a department that was closed. 

I am paying for a membership fee unable to have access to the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-02-06 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: CA

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-02-06 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:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I applied in late XX/XX/XXXX for a secured card w/Capital One. I received my card in the mail in late XXXX, and attempted to activate it. I was informed I had to go through additional fraud protection screening. While this screening was in-process, I was informed there was an error with my deposit and that I needed to contact customer service to rectify the issue. I attempted to do so, and was unable to fix the deposit due to the fraudulent flag on my account. I was instructed to await the fraud department 's decision. As of today, XX/XX/XXXX, the fraud department has cleared the account -- however when they went to activate my card so I could use it, they were unable to as the account had been closed by another department due to the fact I did not rectify the deposit issue in time. I was instructed to reapply for the card, which I did and was promptly declined as I had already recently applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: NY

Complaint narrative:
For over 4 months I have been trying to get an unverified account off my credit report. the accounts are XXXX XXXX and XXXX XXXX XXXX. I have sent 4 letters to XXXX, Equifax, and XXXX  to have the creditors verify the unverified debt or take the accounts off my credit report. My first letter went out XX/XX/XXXX, second letters on XX/XX/XXXX, Third letters on XX/XX/XXXX and fourth letter on XX/XX/XXXX. They have not removed the unverified accounts off my credit report. I have mailed the creditors to verify the accounts I allegedly have with them and they have ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: NY

Complaint narrative:
For over 4 months I have been trying to get an unverified account off my credit report. the accounts are XXXX XXXX and XXXX XXXX XXXX. I have sent 4 letters to XXXX, XXXX, and Experian to have the creditors verify the unverified debt or take the accounts off my credit report. My first letter went out XX/XX/XXXX, second letters on XX/XX/XXXX, Third letters on XX/XX/XXXX and fourth letter on XX/XX/XXXX. They have not removed the unverified accounts off my credit report. I have mailed the creditors to verify the accounts I allegedly have with them and they have ignored my requests.

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 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX we refinanced our home via a conventional 15 year mortgage with XXXX XXXX, later known as First Merit, now part of Huntington Bank. As shown on the promissory note in the attached document ( pages 1 and 2 ) the final payment was scheduled for XX/XX/XXXX At that time we discovered that there was still a balance on the loan. When we contacted Huntington Bank, we were told that this was due to the loan being based on " Daily Simple Interest '' and that the difference was due to payments that occurred on weekends and were posted a day or two after. All of the payments on this loan were made on time via automatic payment. We were compelled to pay a total of {$2800.00} after the Maturity date. In the attached documents we could find only a handful of payments where this might apply and nothing that indicated that it was this type of interest. Additionally, we were told that they could only give records going back seven years as that was all the IRS required. It seems absurd to me that the bank would delete records on an open loan. ( this is included in the email which is page 3 and 4 of the attached document ). 
Also the activity statement in the second document shows three transactions of {$2400.00} each on XXXX XXXX we were never informed of these transactions and no one that we contacted at Huntington Bank was able to explain this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Services, Inc.
State: IL

Complaint narrative:
Certified services inc. 
For the amount of XXXX i do not have know anything about this company or where it comes from this is identity theft and i am highly upset this is on my credit and this is messing up my name and my life and i am willing to get this resolve as soon as possible and i am willing to take every step to get this issue resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: OR

Complaint narrative:
I signed up for new service with XXXX XXXX. I had to call and cancel installation twice due to a family and work emergency. I contacted them both times and they said no problem at all and rescheduled a third installation appointment which was successful. I started receiving bills in the mail charging me for services that I had not received from months prior because my service had not yet been hooked up. I talked to XXXX 4-5 times totaling probably 9 hours on the phone, everyone I talked to could see I had never had my services hooked up and they acknowledged the charges were in error. They filed a dispute on my behalf and stated it should be an easy fix. I continued to get a new larger bill each month as the issue was not resolved. They decided it would be best to close that account and start up a new account which I still have today. They said it would be easier for them to fix if the account was closed, this turned out not to be true. today I received a letter in the mail from a collections agency trying to collect the debt. I am appalled that they sent this to collections. I have spoken to probably 20 different people in customer service, their offline team, and the collections department who took one look at the bill and acknowledged I should not have to pay it as I never had the services hooked up. I never received any documentation or communication from XXXX stating my dispute was ever filed or that it was denied. They just sent me straight to collections. Once again I never received the services they are charging me for, they have records showing I never even had a technician install the equipment for this account. Please help me resolve this. 

The collections agency they sent the account to is : Credit Control Corporation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: UT

Complaint narrative:
Payment was due XX/XX/2020. Was unable to.make payment, called company to work out arrangement to pay past due bill. I am out of a job, so don't have means to give firm date of payment. I assumed everything was arranged, and got email from company to confirm. I have recieved 5 calls In the 24 hours since I talked to them. I spoke again to an agent, And he assured me.that I would not receive any more calls for at least two weeks, and I would update them as to employment. I have since recieved 3 more calls within 6 hours of that call. This is harassment, and if I get a.new job, could cost me that job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: NV

Complaint narrative:
These arent mine...please remove.

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 2020-02-06 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: NV

Complaint narrative:
These arent mine...please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
Creditors discount and aud. N/A I do not have no acknowledgement of this company or what it is this is identity theft and this is really messing my name and life up and i am willing to take any procedure to get this resolve as soon as possible

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