vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 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:
Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that XXXX XXXX have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
A company name XXXX XXXX made three hard inquiry once a month onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent. A company name XXXX XXXX made a hard inquiry on XX/XX/XXXX also without my consent. I have never seen this show on my credit report until recently, and i check my credit report via XXXX XXXX daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Moria Development, Inc.
State: AZ

Complaint narrative:
Good afternoon, I purchased a home through XXXX XXXX and my home closed on XXXX/XXXX/XXXX after a VERY long drawn out process. My first payment was due to Moria Development on XXXX XXXX XXXX. I reached out to XXXX XXXX to ask how I make my payment and was advised to mail my payment to Moria development. I was told my loan was going to be transferred to a new servicer ( I was not informed of who the servicer would be ). I made my payment early and mailed in a Cashiers check to Moria development which they received AND cashed on XXXX/XXXX/XXXX ( confirmed by XXXX XXXX because I got a letter on XXXX/XXXX/XXXX saying XXXX was taking over my loan as of XXXX/XXXX/XXXX so I wanted to confirm they got my payment ). XXXX XXXX XXXX contacted me early XXXX to advise my payment was late. I let XXXX XXXX know I was n't sure what they are referring to because I made my payment to Moria development and got conformation from XXXX XXXX at XXXXXXXX XXXX that Moria development received the payment. I received a letter in the mail from XXXX XXXX around XXXX XXXX or XXXX stating my loan had been transferred to them as of XXXX/XXXX/XXXX. I am in the middle of a battle with XXXX XXXX and XXXX XXXX to try and figure out resolving this " late or missing payment '' issue. I have been in contact with XXXX XXXX numerous times and I feel my needs are not being met. I was informed by XXXX XXXX at XXXX XXXX that this would be handled and if I had any issues with XXXX XXXX to reach out to them and they will handle it. The last few times I have reached out to XXXX XXXX about this issue it has been ignored. I 'm told someone will follow up with me shortly and nobody ever calls me back or emails me back. I sent an email on XXXX advising I still need help because XXXX XXXX calls and emails me all the time about this missing payment. I 'm not sure what else I can do at this point as my needs are not being met, I was not informed of this servicing transfer until after it took place, I 'm being harassed by XXXX XXXX, and nobody can seem to get back in touch with me at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: HI

Complaint narrative:
In XX/XX/XXXX I was contacted by ECMC Loan Rehabilitation Company Contact Info : XXXXXXXXXXXX. 
ECMC Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX They stated I still owed on my school loans and if I paid {$25.00} per month for 9 months they would get me out of default and my taxes would no longer be offset. Since I had n't completed my XX/XX/XXXX taxes as of that time I agreed so I could get some money back on my tax payments. 

After paying for a few months I had n't received on statement of my account and I had also requested MULTIPLE times to have a record of all payments made into the loan via my tax offset.They would promise info and never deliver ANY information I requested. 

I received a call on XX/XX/XXXX letting me know I had hit my 9th payment ( total paid {$220.00} ) and now my loans are out of default and now managed by XXXX and they will be taking {$150.00} out of my bank account ever month until XX/XX/XXXX. THIS MADE NO SENSE WHAT SO EVER! I only had a little over {$14000.00} in loans taking on originally - there WAS NO WAY I owed that much. 

So i then called IRS Taxpayer Advocate Service at XXXX - XXXX XXXX XXXX then informed and confirmed that I had my taxes offset to pay the loan debts in XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$6200.00}, XX/XX/XXXX {$5300.00} a total amount of {$15000.00} been garnished by tax Offset payments to the four Stafford loans I took out in XX/XX/XXXX-XX/XX/XXXX or it may have been the XX/XX/XXXX-XX/XX/XXXX School Year at XXXX XXXX XXXX XXXX. 

I have now faxed the XXXX XXXX XXXX XXXX at XXXX and faxed a letter requesting all records of Offset payments and to whom they were paid to, dates and amounts to prove that I have almost paid of ( if not ALL paid ) the loans paid via tax interception. Please help as I do not know what to do and do not want this escalating any further - I will be calling a lawyer as soon as I receive the records of offset payments from my tax returns. 

Contacted XX/XX/XXXX : XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX  informed me there was NEVER any payments made to the loans as far as they could tell and that I owed the full loan amounts - Denied any record of tax interception or offset payments made to the loan - I let them know that I had contact the IRS and have confirmed the loans have been 95 % paid if not 100 % paid through tax offset payments starting for XX/XX/XXXX to XX/XX/XXXX. They denied any claim to the loan having been paid at all. Please 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
Consumer complaint received 2017-10-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with XXXX Equifax and XXXX. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with XXXX XXXX and TransUnion. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: PA

Complaint narrative:
Navient failed to provide us with viable options to repay student debt. Loans sat in forbearance and deferment or were delinquent for 7 years. During that time we accrued over {$17000.00} in interest. We are unable to pay these loans and Navient will NOT help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX account my wife and I ( XXXX XXXX & XXXX XXXX XXXX ) made payments to our home equity line of credit with XXXX XXXX XXXX ( A/C # XXXX ). Our payments were made according to the terms of the loan and in excess of the amount due each month. In XX/XX/XXXX and XX/XX/XXXX,  payments were made, and subsequently returned to us because, according to XXXX XXXX XXXX, we were not paying less than scheduled amount. This payments were no different from the ways we have made payments of HELOC in terms of paying more than scheduled amount by XXXX XXXX XXXXXXXX. Therefore, the only two months where payment failed to post to this account were due to payments returned by XXXX XXXX XXXX. 

In addition, the payments which were designated as late on the attached credit report are not designated as late payments within the XXXX XXXX XXXX system. Please see transaction dates between XX/XX/XXXX and XX/XX/XXXX vs XX/XX/XXXX and XX/XX/XXXX. As you can see from the XXXX XXXX XXXX print out, also attached, there are illogical and indiscriminate late payments/fees associated with the account XXXX. There should be no such notations since payments were made every month as required for this HELOC, from XX/XX/XXXX to 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 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
THE CAR A XXXX XXXX XXXX SHOWS : 1. A LATE PAYMENT FOR XXXX XXXX BUT WAS PAID OFF BY XXXX XXXX AND I PURCHASED ANOTHER CAR. 

2. MY CREDIT REPORT DOES NOT ACCURATELY REFLECT THE AGE OF CREDIT. 
I PURCHASED THIS VEHICLE IN 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 2017-10-19 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: AZ

Complaint narrative:
Have tried to work with XXXX, Equifax and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX XXXX car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and XXXX, XXXX and Equifax and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: AZ

Complaint narrative:
Have tried to work with Experian, XXXX and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX Financial car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and Experian, XXXX  and XXXX and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please 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
Consumer complaint received 2017-10-19 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, Atlanticus Services on XXXX/XXXX/XXXX and so on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient has been the hardest loan company to work with ; I originally had XXXX XXXX until Navient bought them out. I admit I have n't been promptly with the loan company as far as moving forward with payments, but every time I tried to work some sort of payment plan their representatives basically laughed in my face. Throughout my time in school I made monthly interest payments beginning at {$25.00} and ending at {$75.00}. Those payments did n't seem to make any difference on my loan. The interest is ridiculously high and they are n't willing to reduce my interest. Navient constantly harasses me by calling from XXXX all the way until XXXX at night from all sorts of different numbers ranging from New York to Washington. My most recent encounter with Navient was XX/XX/XXXX where my Account Specialist gave me a 1 % interest reduction ; my highest interest is 11.6 %. He offered or more or less told me my repayment program would be a 9 month period where I pay {$370.00} and then the XXXX-XXXX month I would pay my original monthly payment of {$1500.00}. When I asked if there was another option he told me that 1 % was as low as he could go. I really had no other option at that point. He also mentioned that I had to be in forbearance to qualify got repayment options ; which made no sense to me. After I agreed to the terms of this ridiculous repayment program we then proceeded to go through my monthly finances ; after the fact we already started this new repayment program. My Account Specialist stated that I was cutting it close every month and that I should pick up more hours, I already work XXXX-XXXX hours and sometimes even more than that & I 'm only a XXXX. I asked how much my payout amount would be and he said it was {$110000.00} ; my original principal amount was {$77000.00}, my loan accumulated {$32000.00} in interest, that 's almost half of my original loan. It 's clear Navient is not willing to work something out that is more reasonable let alone reduce the high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: TX

Complaint narrative:
On today I spoke with a young lady who was n't even located in the United states XXXX XXXX with Equifax. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between Equifax and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On today I spoke with XXXX who said he was a special handling supervisor for transunion. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between transunion and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
In XXXX of XXXX, XXXX XXXX XXXX Filed a Power of Attorney for me with Comenity Bank for my XXXX account. I had additional accounts with Comenity Bank, which included : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX applied the XXXX to all accounts and refused to accept my payments to them. After months of going around in circles, I finally realized what had happened. XXXX wrote a revocation of the XXXX for the remaining accounts and sent it to Comenity. I also sent a written request with Comenity requesting that they do the same. Comenity refused to honor my request and then sent matter to XXXX XXXX XXXX. Comenity is inaccurately reporting to all XXXX bureaus. They are reporting me as having revolving accounts and also sent to collections for the XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They can not report me both ways. It is illegal and killing my credit. This is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Web Source Market LLC/DBA Collection Shield 360
State: MI

Complaint narrative:
XXXX/XXXX/XXXX called to ask question about an account that was scheduled to be disputed already and was not. CS rep said I would just have to wait it out then hung up on me, XXXX/XXXX/XXXX went to login to customer portal and found that my account had been deactivated

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief