vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX   )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX, XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
We have a conventional home mortgage loan with PennyMac. The home value is {$340000.00}. Our initial loan was for {$310000.00}. We then paid an additional {$40000.00} in principal in XX/XX/2018. This should automatically qualify to eliminate PMI. Our balance is now {$260000.00}. 

We have contacted PennyMac several times on this and each time they claim that they will send us paperwork to complete and return. This has never happened. Every time we call they state that they have no record of our request and that they will start the process all over again. This has happened three times now as of XX/XX/18. 

I have attached my loan statement information and loan activity statement to show additional principal payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
In 2006, I applied for a student loan of {$5000.00} ( for one semester ) at XXXX. I had to do the same the next semester for another {$5000.00}. Sallie Mae picked up the loan and when repayment was due, they wanted $ XXXX  monthly. I work in retail and when you have a vehicle note and rent, that's just not possible. I spoke with Sallie Mae on many different occassion and was told my only option was forebarence or deferment. So, I did that because I couldn't afford the $ XXXX  monthly. About 4 years ago, Sallie Mae sold my loan to Navient. Same story here, $ 300-400 monthly. Finally, after digging around on their website, I found that I could apply for Income Based Repayment. My notes were supposed to be around {$50.00} for each loan ( 2 ), totaling $ XXXX monthly. I have faithfully paid that for about 3 years. Then suddenly my unsubsized loan has jumped to {$94.00} a month with no explanation. My balance has not moved and I now owe over {$15000.00} because of interest and the forbearance and deferements that I was told I needed to use because I could not pay the $ XXXX  monthly. All of my info has been transferred from the FSA website with my tax info included. I have paid thousands to Sallie Mae and Navient, only to still owe more than my original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have been sending disputes about this so called XXXX bill to no avail .it was removed from one of my credit bureaus but not the others. its held by a third party debt collector. Ive been letting them know Ive never had or used a XXXX phone or service on stated dates. Im not sure what else to do from here but the debt isnt mine. Some how they have my address and Im not sure if they have my social if they do its definitely fraud! Please help thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC

Complaint narrative:
XXXX XXXX recently became the servicer for my perkins loan from XXXX University. I am eligible for cancellation of my perkins loan due to my employment as a XXXX. Through my prior servicer I had several years of service and portions of my perkins loan were properly cancelled. I submitted a new request to Heartland and received no response. I followed up with Heartland and they indicated they had denied the request because the employer stamp or seal did not include the employer 's address, although the employer routinely uses this seal and the employer 's address is listed above on the form. No requirement that the stamp or seal include an employer address is listed anywhere on the cancellation form. Further, despite XXXX 's assertion, I received no notification of any problem with the request, by email or by mail. I would be interested to know how many cancellation requests are improperly denied simply because the corporate seal does not include an address - something most corporate seals do not include.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX has failed to provide validation/verification for negative inquire showing on credit reports. I have sent correspondence via certified mail and a reply has gone unanswered. I expect creditor to remove entry from credit report for not answering certified mail. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Alabama 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 2018-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I have an installment loan with ACE cash. I went on loan to pay more than my upcoming payment. I had done this in the past without issue. The online payment page tells you to cancel your upcoming payment, to make a higher payment. Then refuses to allow you to do so. I called to make the payment but was not allowed to, however could pay the loan in full. When I called to do that a few days later my pay off amount went from XXXX to XXXX. Ace has made it next to impossible for me to pay this loan. When I asked for the corporate number they refused to give it to me. I am so upset by this company! It seems as though they want to make it hard for you to pay, so they can charge extra fees and interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I Have tried for months to obtain my PIN. I went to the website, and it doesn't even offer me the questions to try and identify me. They state I must send sensitive information through the mail. I refuse to do this as US mail is not secure. They indicated if I paid a monthly fee, I could get it lifted, and speak to real people. None of this has happened, and I still can not contact a person I understand they had a security breach, and it is of paramount importance that I get a new PIN, or at least my old one so that I can change it. It is impossible to talk to anyone on the phone.

I recently had issues with XXXX, and it was taken care of via their website.

I need my credit thawed, and unfortunately Experian is less than helpful in any matter.

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 2018-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NV

Complaint narrative:
On XX/XX/2018 a collection for two bills from XXXX/Capiopartner showed up on my XXXX   Credit Report. The two bills are for XXXX HOSPITAL in Texas. 
The First bill is for {$1200.00} and the second bill is for {$1000.00}. I called the credit collection agency XXXX/Capiopartners to resolve this collection at the following numbers : XXXX they refered me to another phone number XXXX. After 22 minutes of waiting and being transfered around I finally got a person who said she could not help me. I filed a dispute with XXXX  twice. They received a confirmation back from XXXX/Capiopartner that the information was correct and these two bills from XXXX HOSPITAL were correct. I do not know XXXX HOSPITAL and have never been to that hospital. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I HAVE BEEN RECEIVING CALLS EVERY DAY SINCE XX/XX/2018, I REQUESTED THE ON EVERY CALL TO CEASED AND DECEASED PHON CALLS ACCORDINLY TO THE RIGHTS BY FDCPA. PREVIUSLY I REQUEST THEM TO STOP THE CALLS AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
Jacob 's Law Group in XXXX, MS repeatedly called my work phone every two days even after they were notified of the following : 1. It was a work phone and to please contact me via written communication. 
2. I was not aware of the XXXX XXXX Debt and to please send me a detailed account of what was charge on the card. 
3. The debt is past the statue of limitations for MS . 


I have request in writing all the above statements from the Law Group without an answer and will proceed to court on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank : XXXX XXXX  ( formerly EverBank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX My CD matured XX/XX/2018. I submitted cash-out instructions for the CD on XX/XX/2018 which the bank acknowledged ( see attached ). The bank did not redeem the CD on that date or subsequent days, The bank tells me by telephone that THEY have a 10 day grace period to cash out, even though they receive the order on XX/XX/2018. The grace period is supposed to apply to the customer, not the bank. They should pay interest on the late days at the same daily rate as the CD was paying. This bank ignored my repeated attempts to communicate by secure message through their website and by regular E-mail. 

Last digits on account are : XXXX Also identified on website as : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BTH Management
State: MO

Complaint narrative:
this account was included in a BK chapter XXXX. and account was repossessed XX/XX/XXXX BK was XX/XX/XXXX and discharged 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 2018-10-22 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: MN

Complaint narrative:
This is an issue with XXXX XXXXXXXX XXXX XXXXXXXX Credit Card. 

I signed up for a promo that gave me one year to pay off purchases interest free. 

I use the online banking interface to manage my account. Nowhere in the online banking interface did they give me access to the exact dates and amounts that needed to be paid off. 

I've repeatedly asked them to send me a summary of how they applied my monthly payments, but they will not. 

I've accrued over {$1000.00} in interest charges this past month, even though I've paid enough to pay off the promo charges, but they won't provide the details of why they are charging me the interest. I've repeatedly spoken to managers/supervisors and they are rude and unhelpful. 

I am definitely going to cancel my card forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Kindly refer to complaint XXXX I have previously submitted documents from XXXX XXXX and pacer as well as XXXX XXXX that clearly state they do not verify. 

TransUnion could not have verified anything properly as no one has certified this as true and accurate-no one has personal knowledge that can certify the authenticity of this Kindly reinvestigate as they are placing unverified and inaccurate information on my file

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 2018-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
On or around the beginning of XX/XX/XXXX we began receiving phone calls from Radius Global Solutions ( RGS ) in regard to a medical bill from XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. They provided the account details and balance of {$500.00}. 

However, the balance they provided was not the last balance we had received from the original creditor. On XX/XX/XXXX we requested a statement from the original creditor and received a XXXX balance statement from them just days later. This XXXX  balance is for the same account number provided by RGS. 

Since our last payment to the original creditor had occurred just 30 days prior, we thought this discrepancy odd and disputed the balance with RGS - requesting statements/media from them to confirm a correct balance. 

We made this request on multiple occasions and emailed disputing statements to the supervisor at Radius Global Solutions. In the email I confirmed our request for media in writing, along with proving the bank statements that listed our payments towards this particular bill. 

One week passed and I did not receive any response from Radius Global Solutions. We spoke with them on the phone and they denied receiving our request for media and also stated that we were refusing to pay the balance. The supervisor called us liars and began putting words into our mouth in regards to refusal to pay/unwilling to resolve the debt. We clarified that we were not unwilling to resolve the debt and were disputing the balance and continued to request media before we could make any steps towards resolving a potential balance. 

Upon completion of this phone call I again emailed the address provided with the disputing documents and again requesting the statements/account media and again received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD bank denied that some charges on my son 's credit/debit card were fraudulent.I tried to resolve it with them and show that my son was at school or asleep when the charges occurred. The total amount is $ XXXX.They said they would send documentation but they did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This company is re-aging this medical debt. It is over 5 years old. They removed it and reported it as occurring XX/XX/XXXX. This is false information. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Original creditor XXXX XXXX XXXX   XXXX XXXX  XXXX. 

Correct date of service is XX/XX/XXXX. Reported as XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I Got these 2 Hard inquiries on my XXXX Credit report with out my permission on XX/XX/2018 1 ) Capital One 2 ) XXXX XXXX XXXX I want to dispute these 2 Hard inquiries. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I inherited a house from my mother in XXXX of 2015 and the house is financed through Ocwen mortgages. I have been trying for several years to refinance the home because Ocwen keeps raising the interest rate every 6 months, and have not been able to, due to most of my income being tips from bartending. Ocwen refuses to work with me and now my interest rate has jumped 5 % in the last 3 years. I feel there is something not right here and Ocwen is not being truthful.

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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My Transunion credit ( Transunion file # XXXX ) report shows delinquency ( XXXX XXXX XXXX XXXX ) and I started a dispute on XX/XX/XXXX and sent them a proof from XXXX XXXX XXXX that I am not late ( USPS tracking # XXXX ). They finished a dispute on XX/XX/XXXX and I started another one on XX/XX/XXXX and sent them another proof from XXXX XXXX XXXX ( USPS tracking # XXXX ). I called them maybe 8 times and I talked on the phone. Despite of 2 proofs from XXXX XXXX XXXX still it shows a delinquency in my credit report and the problem is it doesnt have a Reporting Key. I attach all proofs and papers. Please you need to take into consideration that Transunion violates my rights and FCRA regulations. If it is not solved in a short time, I will take a legal action! Because nobody can play with my credit.

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 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To whom it may concern : I have been trying to work with BMO Harris Bank Mortgage Dept. and Illinois Hardest Hit Program for about I year now. 
My Rep is XXXX XXXX of the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL.XXXX  email : XXXX XXXX XXXX, XXXX Fax # XXXX XXXX has been assisting me with my mortgage lender to either have the lender refinance our mortgage or have assistance paying the mortgage. 
The HHF has approved us but the lender has not. 
We have acquired very high medical bills due to illness and really need this help.

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