vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint about PHEAA ( FedLoan Servicing ). I noted that they miscalculated my eligible payments for the TEPSLF program. PHEAA responded on XX/XX/XXXX stating " you called your loan servicer, XXXX XXXX XXXX, on XX/XX/XXXX to request an alternative repayment plan. Effective XX/XX/XXXX you began repaying your loans under the XXXX XXXX XXXX XXXX. This continued until XX/XX/XXXX when you requested to change your repayment plan to the Income-Based Repayment ( IBR ) plan with XXXX. '' This information is inaccurate. I was on an alternative repayment plan from XX/XX/XXXX to XX/XX/XXXX. However, I called XXXX XXXX XXXX in XX/XX/XXXX to request a Standard Repayment plan. Starting on XX/XX/XXXX, I was on a Standard Repayment Plan. This continued until XX/XX/XXXX. In XX/XX/XXXX, I requested to change my repayment plan to the Income-Based Repayment plan with XXXX. I have been on the Income-Based Repayment plan since XX/XX/XXXX. 

Therefore, all of the payments that I made from XX/XX/XXXX to present are eligible payments for TEPSLF since I was on a Standard Repayment plan from XXXX XX/XX/XXXX and then an Income-Based Repayment plan from XX/XX/XXXX to present. 

The uploaded documents clearly show that I was on the Standard repayment plan from XX/XX/XXXX to XX/XX/XXXX. I have each letter documenting this from all of the loan servicers that I have had during that time frame. You can see the documentation of a Standard Repayment plan on the second page of each document. 

I have applied for TEPSLF three times in the last two and a half years and have been wrongfully denied each time. It is vital that PHEAA fix this error immediately since this program is temporary and is first-come first serve. Once the funds run out, I will not be able to claim what I am rightly entitled to based on my qualification for the program. I have met all requirements for the program. I have been terribly wronged here and have spend countless hours trying to remedy a problem that should have never occurred. Every time I try to address this with PHEAA they keep giving me more inaccurate information. This is completely unfair and should be addressed immediately. I am entitled to have my loans forgiven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Well apparently XXXX XXXX sold my information that was fraudulent attain to this company Portfolio Recovery Associate. I contacted Portfolio Recovery numerous time. I mail my police report to the company, the three credit bureau has my police report. I have a fraud alert and a freeze on my credit report. XXXX  remove it but when it removed from my credit Portfolio Recovery will put it on the other bureau. I contacted FTC file a complaint. They still report it to the bureau. On XXXX XXXX i recive a call from XXXX stating my account wasn't be paid. I inform XXXX I never applied for a XXXX XXXX card. My husband XXXX XXXX left his phone in a rental car. They never turn the phone in but from XXXX they was open different account because our email was stored in the phone we had some of our personal things in the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
The company claims : I owe, {$16000.00}. I do not agree with the claim in fact, I owe {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens bank have overdraft my account over a claim for a vehicle worth XXXX and now is been a weeks since they took my money I had XXXX in the account at that time and I received my unemployment money for XXXX and they took it they left me with no money what so ever I have placed numerous calls and complaints they gave done nothing the y don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
On XX/XX/2021 sent a 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 ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Solutions
State: SC

Complaint narrative:
I attempted to despuite this information on my credit report. And was informed that is accurate. In which it is not. I never had a cellphone with this company. I have had problems with my identity being used with out my knowledge in the past. my information was stolen a few years ago. And ive been having to deal with unknown accounts on my credit report from sometime know.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
credit card XXXX  XXXX XX/XX/XXXX {$0.00} credit card CAPITAL ONE XXXX XX/XX/XXXX {$8500.00} credit card XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2700.00} other 01 XXXX XXXX  XXXX XX/XX/XXXX {$2700.00} other 08 XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Well apparently Capital One sold my information that was fraudulent attain to this company XXXX XXXX XXXX. I contacted XXXX XXXX numerous time. I mail my police report to the company, the three credit bureau has my police report. I have a fraud alert and a freeze on my credit report. XXXX remove it but when it removed from my credit XXXX XXXX will put it on the other bureau. I contacted FTC file a complaint. They still report it to the bureau. On XXXX XXXX i recive a call from XXXX stating my account wasn't be paid. I inform XXXX XXXX never applied for a XXXX 's card. My husband XXXX XXXX left his phone in a rental car. They never turn the phone in but from XXXX they was open different account because our email was stored in the phone we had some of our personal things in the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NC

Complaint narrative:
This card account had been closed months now the IRS deposits XXXX on XX/XX/21 they did not send it back or reject it instead they deposited into a closed account!! Money from the federal government they thought they can deposit into the closed account on knowing it was closed! I want my child tax credit like now they had no right to deposit this money on a closed account and just keep my money!

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 2021-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My loan was transferred and serviced by Freedom Mortgage as of XX/XX/XXXX. After my income was delayed, I opted to do the XXXX deferment to avoid late fees and credit report impact but resumed making payments. Since they acquired my loan, I have been having issues with them making multiple adjustments to escrows to increase payments based on whatever documentation they get from 3rd parties, without verifying I initiated a change ( XX/XX/XXXX the insurance agent changed my carrier without permission XXXX nor allowing me to pay shortage ( escrow account is usually adjusted once a year by lenders but Freedom do it each time documents go to them from a 3rd party ). XX/XX/XXXX, they increased the percentage amount they wanted overall in the escrow, and I paid the difference XX/XX/XXXX. In XX/XX/XXXX, I was threatened with policy cancellation due to Freedom paying the unauthorized insurance carrier and ultimately, they disbursed two payments to two carriers causing an escrow shortage by XX/XX/XXXX. After I complained, I was sent a bill to pay the escrow shortage, of which I paid. They turned around and applied the escrow payment I sent directly to the escrow dept. to the loan principal and interest, even though I had already paid XXXX mortgage payment. I called and complained again, and they claimed they reversed the misapplied payment. Because I am still on the deferment, they sent me a notice and advised I would be responsible for paying homeowners insurance moving forward. Due to recent insurance hikes, XX/XX/XXXX, I initiated a new carrier, even though the existing policy was effective until XX/XX/XXXX. I paid the homeowners policy in full on XX/XX/XXXX. I receive a letter dated XX/XX/XXXX from Freedom stating they paid an insurance bill out of my escrows in the amount of {$1700.00}. I immediately called to complain, they claimed to put a stop payment on the check, yet XX/XX/XXXX statement, my escrow shows the money missing. I called Freedom again to speak to a supervisor and she claimed the escrow department was closed and she will escalate to find out where my money is and call me back XX/XX/XXXX. To this day, no call with resolution. I believe Freedom mortgage is stealing my escrows, misapplying payments, and engaging in unethical practices such as what I described and need to be investigated. Please see their latest statement and my evidence of payments.

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 2021-07-14 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: OH

Complaint narrative:
On XX/XX/2021 sent a 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 ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: GA

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: WA

Complaint narrative:
I disputed a bankruptcy on my Experian credit report due to the fact they did not directly co fact the courts to verify the information and I have a letter from the courts confirming they did not. I have tried to submit the documentation to them and they will not allow me to do so. It has been removed from XXXX  and XXXX  already.

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 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield refuses to provide proof of debt Hunter Warfield NEVER sent notice of debt This debt was never even reported to the credit agencies so how valid can this debt be? 

Hunter Warfield refuses to provide an explanation of debt and the date it was incurred Hunter Warfield used strong arm tactics to prevent me from being approved for an apartment in which I need to live. Hunter Warfield 's tactics are illegal and have caused me to be homeless at this time. 

The balance was paid by my father so I can have an apartment and there is still no resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: SC

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Amsher collection agency is reporting a debt to my account that is not mine. Furthermore I have not received any letters in the mail about such debt with violates my right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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:
Ive been A victim of identity theft!! Ive sent numerous ftc reports to both XXXX & Equifax. The both have ignored my request per fcra section XXXX which states fraudulent accounts must be blocked within 4 days. Both Equifax and XXXX responds with they cant read my paper work submitted. Which is untrue. XXXX has blocked information but the other two keeps saying its been verified. How is it being verified. Im not receiving updated credit reports via us mail.. 
Fraudulent Accounts 1. XXXX XXXX {$12000.00} acct # reported XX/XX/XXXX opened XX/XX/XXXX XXXX 2. XXXX XXXX XXXX {$680.00} acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$5100.00} 5. XXXX XXXX acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( Never lived at this address ) Please SEE POLICE REPORT & FTC report! 
I will fill a complete with FCRA and get an attorney because Im being ignored and its a violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I checked my credit report and see where there has been 8 separate Collections/Chargeoff which has negatively impacted my credit score. The dates and amounts are as follows : XX/XX/21 - {$4000.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} XX/XX/21 - {$71.00} To the best of my knowledge, I have not received any communication from RMP Services LLC regarding these collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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:
Ive been A victim of identity theft!! Ive sent numerous ftc reports to both Experian & XXXX. The both have ignored my request per fcra section XXXX which states fraudulent accounts must be blocked within 4 days. Both XXXX and Experian responds with they cant read my paper work submitted. Which is untrue. XXXX has blocked information but the other two keeps saying its been verified. How is it being verified. Im not receiving updated credit reports via us mail.. 
Fraudulent Accounts 1. XXXX XXXX {$12000.00} acct # reported XX/XX/XXXX opened XX/XX/XXXX XXXX 2. XXXX XXXX XXXX {$680.00} acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$5100.00} 5. XXXX XXXX acct # XXXX reported XX/XX/XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( Never lived at this address ) Please SEE POLICE REPORT & FTC report! 
I will fill a complete with FCRA and get an attorney because Im being ignored and its a violation of FCRA

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