vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Credit & Collection Corporation
State: VA

Complaint narrative:
Dear Sir or Madam, I was a victim of identity theft. I mailed several letters to The company by the name of Global Credit & Collection Corp. However, their company continues to communicate with me after I mailed them a cease and desist letter. On XX/XX/2019, my attorney mailed their company a {$1000.00} demand letter for statutory damages for not honoring the cease and desist letter pursuant to section 805,  Communication in connection with debt collection. However, their company continues to ignore all corresponding letters from me and my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
i paid the debt collector company in full but the collection still in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 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: PA

Complaint narrative:
Need XXXX, TransUnion, & XXXX credit bureaus to correct the following : the alert needs to state that the XXXX XXXX XXXX. shouldn't have any parent or direct plus loans showing on my credit report as consolidated, paid, or owed from XXXX College XXXX XXXX XXXX XXXX, ( amounts of {$12000.00}, {$16000.00}. etc ), due to all direct plus loans for this college being under investigation by the " Borrower Defense Refund Cancellation Dept '', Ombudsman Group/ Federal Student Aid Dept , & the FBI in XXXX , PA . I have case numbers. Once again, the Borrower Defense Refund Dept has  emailed me which I have sent to you, Consumer Finance Protection Bureau in my attachments, showing that I have the right to have loans under investigation, frozen. 
Since the XXXX XXXX XXXX. has npt allowed me to be able to log in to my account repeatedly or go beyond correcting general infor which was done already but not processing, I am unable to communicate with them. Please, note that the notes on my TransUnion & possibly other credit reports are stating some thing other than this. 
Also, I keep receiving emails from all three credit bureaus to check the status of their investigations ; yet, when I go to login, I find myself only spending excessive amount of time on a public, limited time allowed, computer lab ( s ), constantly resetting passwords & usernames rather than actually being able to log in, ( no matter how many attempts & resent passwords & usernames sent ), instead of being able to address my concerns & see the results of investigations. So, please allow & /or make the credit bureaus allow me to respond, ( especially since I was able to receive all of their reports via mail ), which I greatly appreciate! 

Miss 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 2019-07-01 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am facing problem regarding credit Scores, most of the companies unable to pull my credit history. could you please resolve this issue. I have recently updated my SSN with my XXXX  XXXX XXXX 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 2019-07-01 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am facing problem regarding credit Scores, most of the companies unable to pull my credit history. could you please resolve this issue. I have recently updated my SSN with my XXXX  XXXX XXXX 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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: HireRight Solutions, Inc.
State: CA

Complaint narrative:
My report includes a past/current address of XXXX XXXX Utah. I have never lived in XXXX XXXX Utah in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TCF NATIONAL BANK
State: TN

Complaint narrative:
My husband left me and our XXXX children, all under the age of XXXX, in XXXX. Im a single mother supporting them on my own with zero help from him. In XXXX, I requested a deferment for two payments XXXX XXXX and XX/XX/2019 XXXX to help me catch up and be able to make the XXXX payment on time. I was told by a representative that once I make the XXXX payment, which was behind, that they would send me the deferment paperwork and the two payments would be deferred with no fees to be paid up front since this was a hardship. I paid and never received the paperwork. I called in XXXX and they told me it had to be in before the end of XXXX. I explained I had never received it. I was then told that I had to qualify again. They told me once more that I was approved and no fees would be added. I received the paperwork, signed and emailed back the same day. Last week, I noticed that the due date online still showed as XXXX. I called and was told the extension couldnt be processed because I had to pay {$180.00} in fees up front. I told them that I was told I didnt have to pay that and that it would be waived by management due to the circumstances. The representative I spoke with said she did see those notes on my account and that she would let the deferment department know to go ahead and process the extension. I then get an email today from a XXXX XXXX with the lender and the email is stating again that the extension cant be processed without a {$50.00} fee. Clearly, I can not pay this as the whole point of the extension was because I was behind and needed to get caught up. I was told by multiple representatives, including a manager, XXXX XXXX, that it was approved for two months with no fees. I keep getting the runaround with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I can not get Netlnet to update my name. They keep asking me to scan and rescan the court decree. I sent them the exact same file I sent to other financial institutes such as XXXX, XXXX, XXXX, XXXX etc with no issue, yet for some reason Netlnet does not seem to be able to " read '' it. 

If they can not even read the original scan, how do they expect to read the secondary copy off off the original scan via fax? And they can not handle things electronically, they expect me to mail in the original copy. They really expect me to have faith in them to handle my only original copy with care while a simple thing such as changing name they can not process. 

What a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: SLM CORPORATION
State: CT

Complaint narrative:
I have been contacting Sallie Mae for several weeks to speak with someone about a loan modification and learn all options for loan repayment for my monthly loan payments. Currently, my monthly payment is {$1400.00}, which is significantly more than I earn in a month. I have tried multiple times to call and gave been met with service representatives who can not answer my questions, or am put on hold and transferred to a different department and then hung up on. To date, I have been told that my options are to enroll in a graduated repayment program, put my loans into forbearance, or to speak with someone about a loan modification. After looking into it, I discovered that the graduated repayment program would not only add an additional {$3500.00} charge to my current loan balance, but also tremendously increase my monthly loan payment after one year- therefore, it was not a viable option. As I had already paid {$150.00} to put my loans into forbearance, I asked to speak with someone about a loan modification. I was then told I needed to wait for my loans to become past due for someone from the loan modification department to speak with me. This situation has already detrimentally affected my ability to try and get a refinancing loan with other companies and I can not afford to wait and have my credit score negatively impacted by Sallie Mae again. Sallie Mae has been giving me the run around for weeks and it has prevented me from being able to properly handle this situation. I am being denied access to critical information, and being mislead by representatives who continually tell me different information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XX/XX/XXXX : I paid XXXX XXXX XXXX full amount of charge for final bill on closed mobil phone account. Paid {$250.00} with XXXX Mastercard. 
XX/XX/XXXX, Disputed the {$250.00} charge with XXXX because XXXX XXXX XXXX had already received payment as they bill one ( 1 ) month in advance for their service and the XX/XX/XXXX service was already paid for in XX/XX/XXXX. 
XX/XX/XXXX. XXXX confirmed disputed charge of {$250.00} and issued conditional credit. 
XX/XX/XXXX : XXXX sent letter indicating the investigation ruled in my favor and conditional disputed amount was made permanent. 
XX/XX/XXXX : Received several threatening phone calls on my cell phone from unidentified debt collector threatening to ruin my credit. 
XX/XX/XXXX : Received email from credit monitoring service indicating Sunrise Credit had made an untrue, derogatory entry on my credit report on XX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX : Filed an online dispute with XXXX and provided all documentation.

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 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I took a {$1500.00} cash advance in 2016, now it is over {$2600.00} without any further advances.I called Bank of America and was told some confusing explanation about how they applied interest, which makes no sense. My cash advance should have went down as I have paid more than the minimum payment. The interest on the loan was taken out for both purchased items and cash advance each month, then the balance applied to the loan. There should be no case where interest should be applied to the cash advance.

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 2019-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I found a charge for {$110.00} a month from the bank for insurance to cover my card in case of problems paying. The date they show that I ordered the insurance I was in the operating room getting my XXXX XXXX XXXX So when I call and complain I get it cancelled and a refund for most I was charged. Then the monthly payment which was {$220.00} for the previous year with a {$7000.00} balance goes up to {$390.00} and now it is {$590.00}. I call the bank and they can not explain and say it will be more than likely going higher. 
How can a XXXX XXXX vet pay this?

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 2019-07-01 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: NY

Complaint narrative:
I saw some questionable data reporting on my report from a XXXX XXXX account with an account number XXXXXXXXXXXX. I wrote to the bureaus requesting an investigation. 

I received a response claiming to have verified the information reporting, yet I got a letter from XXXX XXXX dated XX/XX/2019 which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify any data properly.

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
On XX/XX/2019 i noticed fraudulent accounts on my credit report and challenged them. The accounts were removed by XXXX & XXXX   because evidence supports my accusations. XXXX was the only company to not take my claim serious enough to remove it from my report that's what brings me to this report. I have accounts on my reports that do not belong to me and i'm having to suffer. These fraudulent accounts are hindering my growth.

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 2019-07-01 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 was told my recertification application was incomplete because I did not tell them the frequency which which I am paid ( weekly, monthly, biweekly, etc ). I uploaded documentation ( my paystub ) and indicated I am paid biweekly. Now, 3 weeks later and after the re certification deadline, I receive a notification that I they still need information on the frequency of my pay or else I will face an administrative forbearance/standard repayment plan. This is unacceptable as I documented each interaction with FedLoan and uploaded documentation, which is dated, to their online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The creditor agreed to delete item off credit report and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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:
I saw some questionable data reporting on my report from a XXXX   XXXX account with an account number XXXX. I wrote to the bureaus requesting an investigation. 

I received a response claiming to have verified the information reporting, yet I got a letter from XXXX  XXXX dated XX/XX/2019 which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify any data properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 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:
I saw some questionable data reporting on my report from a XXXX  XXXX account with an account number XXXX. I wrote to the bureaus requesting an investigation. 

I received a response claiming to have verified the information reporting, yet I got a letter from XXXX  XXXX dated XX/XX/2019 which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify any data properly.

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The Equifax credit report services web site at https : //www.equifax.com/personal/credit-report-services points has a " Get Started '' button that refers to https : //my.equifax.com for handling credit freezes. I placed a freeze on Equifax via traditional mail two years ago because their web site never worked properly. In the  intervening time, this web site has never been up, so I could never so much as register myself as a user with the information that was provided in my in initial freeze. This company purposefully makes an user self-service options frustrating and difficult. I have also twice attempted to temporarily lift my credit freeze with Equifax with the same result. Their web site is non-functional and exists only as a facade to make it look as though they comply with federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: AZ

Complaint narrative:
According to the National Consumer Assistance Plan, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of  the NCAP because it corroborates the policy set in place that I am talking about. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
First, I would like to comment, I have been filing complaints since XX/XX/XXXX Complaint Number : XXXX. S.P.S. is totally disregarding all complaints and NOT ANSWERING, my concerns. The last complaint was closed out with, CALL OUR FORECLOSURE LAWYER. This kind of behavior is UNNACCEPTABLE, S.P.S. seems to not understand the complaint, or choose not to, and we let these companies take hard working people 's homes from them? Complaint 1, Why did you S.P.S. close out the account in XX/XX/XXXX, with the Credit Reporting Agency, XXXX, as, DEED IN LIEU OF / BANK LIQUIDATION. ( see attached photos ). Complaint 2, I had the Attorney Generals office of XXXX XXXX, fax over to S.P.S. ALL of my financials and you S.P.S.  do not even acknowledge getting them other than in the last answer to my complaint you stated that they were not ledgeable. Impossible as they were mailed out to the Atty General 's office and then you, S.P.S. NEVER NOTIFIED ME, that you got them nor requested additional copies as YOU, S.P.S. had no intentions on working this issue. Oh, I did call YOUR LAWYER, S.P.S. and they told me that YOU, S.P.S. tell your customers ALL THE TIME TO CALL XXXX and XXXX, I did speak to them this morning, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: MD

Complaint narrative:
I am writing to dispute several incorrect account information that Experian Credit Reporting has on my credit report that is causing negative impacts to my credit. I have sent them a letter requesting that they correct the information and they have not responded, neither have they made the correction. 
All XXXX accounts listed on my credit report have a {$0.00} balance and they continue to list them with {$270.00}, {$180.00} and {$78.00}. 
XXXX Account also has a {$0.00} balance, and they list it as a {$130.00} balance.

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