vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 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: TX

Complaint narrative:
This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to Equifax  and XXXX  to investigate the XXXX XXXX account, which is reporting inaccurately on my credit report because I have NEVER done any business with XXXX XXXX & they are reporting this account as if they are the original creditor when they are NOT. 

I sent a communication to XXXX XXXX XXXX XXXX, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) XXXX XXXX is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. 

I have attached a copy of how this account is reporting to my XXXX  and Equifax  report, and if XXXX  and Equifax  were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. 

Also, if you take a further look, XXXX XXXX XXXX XXXX is reporting a payment status of charged-off on XXXX, but as " Late 120 Days '' on Equifax. Additionally, Equifax is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that XXXX XXXX XXXX XXXX is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. 

I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I've requested the company provide with me all copies of signed loan documents regarding this loan as I don't remember taking this loan out and might have been a victim of identity theft with this loan. The company continues to harass me and charge me a monthly loan payment for this loan. The company continues to report this loan to the credit bureau dispute my request for validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-08 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I filed a FTC 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 2020-12-08 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I filed a FTC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
I have been employed as an XXXX  for a state/local government agency since XXXX of XXXX, and have been in an income-based repayment ( IBR ) plan since that time in an effort to secure Public Service Loan Forgivenes ( PSLF ). My loans are currently serviced through FedLoan and have been since approximately XXXX. 

In XXXX I filed an employment certification form pursuant to that plan, and on XX/XX/XXXX I received the response for a beginning certification date of XX/XX/XXXX through XX/XX/XXXX. I was deemed to have made seven ( 7 ) qualifying payments during that time. On XX/XX/XXXX, I called the servicer and according to my notes taken at the time of the call, I was informed that my payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all counted. I was told that the payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all came through the system as late. She told me that she would be able to likely fix some of those payments. This was apparently done as my estimated eligibility changed from the XX/XX/XXXX to XX/XX/XXXX after subsequent employment certifications. 

In XXXX of XXXX, FedLoan created a PSLF payment tracking system. On it, for the first time, I became aware that my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments were deemed eligible, stating that " Payment is Pending Manual. '' It has been nine years since these payments were made. If these three payments are deemed eligible, I will be eligible for forgiveness in XXXX of XXXX, rather than XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-12-08 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: Garcadia Financial LLC
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I have 2 primary complaints. 

First, received a letter from my mortgage servicer, Freedom Mortgage stating that my payment was going to be increasing by {$300.00} per month because of an escrow shortage. This was a significant increase so I began working with Freedom in order to determine what caused the issue. After several weeks it was determined that my account was set up incorrectly after I refinanced. The escrow account had 2 errors, insurance was omitted and the taxes were incorrectly applied from an outdated tax bill. This led to a significant gap that was not discovered until I received my annual escrow analysis. Freedom offered to credit my escrow for the full amount of the insurance because it was an error by the account set up process. I asked that they also research how the tax account was so inaccurate because they had received an updated copy of the tax bill the previous year. I still have not received an answer as to how this occurred. I have spent hours trying to resolve this with Freedom but they are exceptionally hard to work with. I am able to afford the increased payment but I believe these sorts of systemic errors will disproportionately impact low income borrowers as they may not be able to afford such a significant increase in monthly payments. 

The second complaint involves the refinance marketing process. After I refinanced the first time I continued to receive marketing calls to refinance again. I requested 3 times to be added to the do not call list which was finally completed. Despite not wanting to continue to receive information, Freedom requires that you move through a phone tree on the customer service line in which they try to push you to refinance again. They also direct customer service representatives to try and sell the program as well. Customers should not be required to constantly opt out of product marketing in order to get basic customer service.

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 2020-12-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-08 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC C/O Resurgent Capital Services, XXXX XXXX XXXX, XXXX SC XXXX is reporting a collection account against me on my Credit Reports for an account originally belonging to XXXX XXXX XXXX with an account number ending in XXXX. I have never opened an account with XXXX XXXX XXXX. I believe an ex used my personal info and opened an account perhaps. I have never opened an account with XXXX XXXX XXXX so I demanded proof of my owning the account. Since I never worked with them, I know that there can not be proof. Proof of ownership has not been provided, yet they still will not delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I checked my Bank of America prepaid account balance through the app and seen a withdrawal saying Bank of America for {$980.00}. I called Bank of America to see what it was and was told that it was a withdrawal at a Bank of America atm at XXXX XXXX at XXXX XX/XX/XXXX. It appears someone was able to check my balance, and then withdrawal {$980.00} from their atm. However, I never lost my card!! I was home all day and left twice to get fast food and then give my brother in law a ride home. I have surveillance inside and outside of my house to show that. I filed a claim on XX/XX/ because it was too late to file one the day I found out. So I filed my claim and waited to hear back.. OnXX/XX/XXXX I received a letter in the mail dated XX/XX/ saying my claim was closed? I called the number provided to speak to someone and was told that I was liable? I don't understand how an investigation was even done when it was opened and closed in one day? It was their atm. They could easily view the atm footage. I've even asked how to get the footage myself, so that maybe if I recognized the person, I could help with the investigation. But I was told by the representative that she didn't know how to go about getting that. The paper sent also says I can request the documents that they replied on to make their decision.. and what a surprise, she didn't know how to go about that either? The only thing she said she could do is reopen the claim and note that in the email sent to the next department who handles that kind of stuff.. and she couldn't give me a timeframe to expect to hear anything back. So I'm suppose to just sit here and wait and hope that someone gets back to me. This is ridiculous!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I certified mailed letters to XXXX XXXX XXXX XXXX on XX/XX/2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. XXXX XXXX XXXX XXXX failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: LA

Complaint narrative:
I certified mailed letters to XXXX XXXX XXXX XXXX on XX/XX/2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. XXXX XXXX XXXX XXXX failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # 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 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
There was a collection account reported on my credit report on XX/XX/2020 for the amount of {$540.00} from XXXX XXXX XXXX. 
However the collection agency that the account was sent to was Enhanced Recovery CO L. 
According to the Cares Act I should have been notified of this account and also allowed an extension or grace period for this account. Also, this particular account was paid in XX/XX/2020 and therefore should not have been put on my credit report at all. I have lost my job due to the COVID pandemic and facing very hard times at this time and definitely do not have the funds to pay an additional {$540.00} for an account that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
On XXXX XXXX, I attempted to take advantage of Cross Country Mortgages split payment process by paying half of my mortgage payment two weeks early. My payment was misapplied, and on XXXX, I called in order to resolve the issue and pay the remainder, in order to also stay current. The customer service agent miskeyed my account number, so three weeks later, I was informed that the payment failed to go through, so I called again to try to rectify the situation. I was given the appropriate information for the split payment program and another attempt was made to bring the account current. I was assured that the miskey issue was identified and resolved, but three weeks later I received another notice of a failed payment. On XXXX, the Cross Country Mortgage site allowed me to make one payment, but the rest of the payments were still not resolved, and 1-2 late payments have been assessed. On my fourth attempt to resolve the issue, I was transferred three times, disconnected twice and finally ( after a 20 minute hold ) I was connected to a supervisors voicemail, which was full, so effectively I was disconnected yet again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation