vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX This is absurd, How is it possible to have a late remark that starts in Late 90 days without prior late remarks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: LA

Complaint narrative:
I applied for the PSLF. I submitted records of all 120 payments over the last 10 years. I submitted the application forms for PSLF. And I submitted the employer certification forms covering the last 15 years of full time work as an XXXX  in a qualified hospital. I was denied with no explanation or accounting of which payments were denied or why? I have been consistent in my payments and followed the rules. Please help me with this. My start date of public service was XXXX until present. And my payments began inXX/XX/XXXX 
Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 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: TN

Complaint narrative:
XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dept of ED/XXXX  XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX Retail Card, XXXX XXXX XXXX, XXXX XXXX reported to the Experian that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.

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 2020-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MEDCAH, Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX Actions were partially taken care of in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am challenging the information listed on the response from LEXISNEXIS with facts directly from the reporting site in which they claim they investigated this issue in the first place. In their response they state " Through a recollection of the bankruptcy record, LexisNexis determined that the name, address, and last XXXX digits of the social security number originally filed on the full bankruptcy docket obtained from Public Access to Court Electronic Records ( PACER ) match Ms . 
XXXX name, current address XXXX XXXX XXXX XXXX XXXX, FL XXXX and full social security number reported to LexisNexis by the nationwide consumer reporting agencies. There is misinformation in this statement. They claim they verify the last four of my SSN to match the information listed in PACER however in the next line they state they verified my FULL social as a match. How can this be? Per PACER 's information listed " In a XX/XX/XXXX session, the Judicial Conference approved amendments to the Federal Rules of Bankruptcy Procedures and the Official Bankruptcy Forms. The amendments implement the conference policy on privacy and public access to electronic case files. These amendments took effect at all courts on XX/XX/XXXX. As a result of this decision, only the last four digits of the SSN are  displayed on all reports. If the full social can not be verified on this documentation how can this be accurate information? Furthermore I do NOT believe you reinvest-gated anything staff for several companies including XXXX XXXX is down due to on-going stay at home orders in place. How was a re-investigation completed in less than a week after my complaint was submitted?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
6 years ago in XX/XX/XXXX, we purchased a car and it was financed through Santander consumer USA. as of this XXXX the car was supposed to be paid off. When I made my payment in XX/XX/XXXX I was told I would receive the title in the mail within 90 days. My credit went up 34 points and it reflected a XXXX balance on my credit report. 2 months later this XXXX, I went to go look up my credit and it said new account " Santander consumer USA balance {$8500.00} - mind you we did not get a new loan, this was the same loan, so we called to try to find out what's going on, we were told that throughout the loan more interest was acquired and not paid off- mind you the loan was paid in full including interest at this point. We asked to speak to a supervisor who would not provide us with any further information. Now we are stuck with a car without a title with damaged credit due to this issue and a balance exceeding the actual value of the car. This loan company is apparently well known for this issue and has been sued many times. unfortunately we did not know of this until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX XXXX ; I am a XXXX year old female from XXXX, New Jersey. Experian needs to be held accountable for inaccurate reporting. They have been decreasing my credit score for absolutely no reason. There are no new bills, debts, or delinquencies on my account. I have a student loan and two credit cards which never have a balance ( these are not new accounts ). I am currently in XXXX XXXX and my loan is deferred until I graduate. I dont have a mortgage or an auto loan because I own my home and car outright. XXXX  and XXXX  have my score reported XXXX, this is a fair score and reflects my credit history. However, with Experian I was sitting at XXXX and it decreased 23 points this morning to XXXX. This cycle of large decreases has occurred before and no explanation is given, however the other credit bureaus only ever increase or remain unchanged. Experian has the same exact credit history as the other bureaus, and reports almost 100 points less. This violates the FCRA because it is clearly inaccurate reporting. When I want to begin my XXXX XXXX I am going to have trouble with lending due to this 100 point discrepancy that Experian has. I have contacted Experian about this at least three times, and each time they basically say oh well and do nothing. My husband experiences the same exact problem and has approximately a 70 point discrepancy as well ( from XXXX to XXXX ). Anecdotally, I have asked many of my friends how their scores vary between the credit bureaus and they mention similar problems. I would like to bring on a class action lawsuit in the near future. 

They also have this Experian Boost program where you connect certain bills to your credit account which I do not want to do. Now, because they want consumers to use Experian Boost they may be making scores artificially low in order to prompt people to share their private information ( allegedly ). This teeters on the line of extortion and certainly is not legal.

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 2020-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of XXXX ( XXXX ) and Select Portfolio Servicing, Inc. ( SPSs ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of XXXX and SPS. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by XXXX and/or SPS or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, XXXX, SPS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: CA

Complaint narrative:
I have experienced identity theft. So I went to login to my Experian account for a credit report, and my login email address has been changed. 

it appears that the thieves have changed the contact email on my Experian account, so I am unable to login to Experian and see anything related to my credit. Per the attached, I have never used an email address such as the one indicated. Never. 

In order to rectify its URGENCY, I have spent substantial time and effort today, Saturday XX/XX/2020 from XXXX until XXXX PST attempting to reach someone at Experian. Literally dozens and dozens of calls have been made to both XXXX and XXXX and XXXX, with hundreds of options to choose from every time that all lead to a robotic voice directing me to login to the Experian site to resolve any issues - which I obviously can not do as the thieves have changed my login information. I have selected every option hoping to reach a live person, but NOT A SINGLE OPTION WILL DO THAT! 

I CAN NOT find a single live person at Experian to help me. 

This is ridiculous, and MUST be rectified. 

I have already placed a security freeze on my credit report, but that is not a solution to the problem of thieves taking over my Experian account. 

Meanwhile, thieves are still out there ruining my credit via Experian, pretending to be me, and Experian have no way in which to help. 

Essentially, by making it impossible to provide me with an immediate solution, they are complicit in the damage being caused. 

NOTE : The last time I complained about the very same thing at Experian, they merely sent a letter with a copy of my credit report. No apology. No change in policy. No follow up. Nothing. That is unacceptable. Be accountable!

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 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX   which was bought out by XXXX XXXX but instead they stated that it was a debt with XXXX XXXX XXXX that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of Portfolio Recovery Services XXXX XXXX XXXX. This debt was Re-aged and Portfolio Recovery Services did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made portfolio recovery could not. The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by Portfolio Recovery Services which is illegal and in clear Violation for the FCRA and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: LA

Complaint narrative:
Trident asset management says I have a credit card debt with total card for XXXX this account is fraudulent and its not mine .this is my sixth time disputing this account with collection company only to have it removed and sold to another company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: TN

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Missouri, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Transunion XXXX, Transunion XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, reported to the Transunion that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights

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 2020-04-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive tried to call, email and do stuff to obtain the credit report from Equifax. It has not been updated since XX/XX/2018. 
I was trying to refinance my home due to minimal income and unable to do so because they can't obtain my credit report from Equifax! 
This is hurting me drastically! 
Ive filled out all online consumer websites help here and emailed XXXX XXXX and Equifax. 
No answer from you. 
Please unfreeze my credit report now XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX, extension : XXXX C- XXXX This supposed representative of Bank of America sent me an email but is not responding to email or calls. The Bank is purposefully ignoring the complaint despite my multiple attempts to contact them. I am waiting for the money on my account that was closed without notice.

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 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NH

Complaint narrative:
It appears our property taxes have not been paid in full for our home by our mortgage company, US Bank. The property taxes are required to be paid through our escrow account. 

When we received a first notice about this in XXXX, I immediately emailed my loan officer and the servicer he works with. They said they would take care of it immediately. I emailed again on XX/XX/XXXX to follow up and never heard back. 

Today, in XXXX, we received a letter from our city collections office noting that there is an outstanding balance on our property and that it has accrued interest and will continue to accrue interest daily. 

( We have made all mortgage/escrow payments on time. )

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 2020-04-18 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:
The accounts listed here MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. This is supporting fraud. Accounts : XXXX XXXX XXXX XX/XX/XXXX {$710.00}, XXXX XXXX XXXX XX/XX/XXXX {$890.00}, XXXX XXXX XXXX   XX/XX/XXXX {$240.00}, XXXX XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}, XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XX/XX/XXXX {$220.00}, XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$27.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00}. Inquires : XXXX XXXX, XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: PA

Complaint narrative:
The accounts listed here MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. This is supporting fraud. Accounts : XXXX XXXX XXXX XX/XX/XXXX {$710.00}, XXXX XXXX XXXX XX/XX/XXXX {$890.00}, XXXX XXXX XXXX   XX/XX/XXXX {$240.00}, XXXX XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}, XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XX/XX/XXXX {$220.00}, XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$27.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00}. Inquires : XXXX XXXX, XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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 — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I pay my payment to bmw on line as many people have a problem with their billing system you pay the lease payment on line then they contact you stating the payment did not post and Charge you late payment and reporting late fees I have had bmw leases for many years never had this problem till I did on line payment they are impossible to reach and give a constant run around its getting extremely frustrating I want theses 4 late payments removed it completely unbelievable why dont they contact people before the 30 days late no they just want to collect late fees its piracy please help me to remove this ASAP unfair reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: TN

Complaint narrative:
I NOTIFIED EXPERIAN AND XXXX XXXX XXXX XXXX THAT THIS WAS NOT MY ACCOUNT AND THAT MY SSN NUMBER AND ID WAS STOLEN SOMETIME BACK I DO NOT KNOW THAT CREDIT CARDS WAS APPLIED FOR IN MY NAME UNTIL I WAS LOOKING TO BUY A HOME AND THE BANK ALERTED ME THAT SOME ACCOUNTS WAS IN A NEGATIVE STATUSThey have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2020-04-18 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On my Equifax report there is an incorrect name listed. I have not taken any steps fot correct this other than notifying you. I also would like to know why my score is not perfect since ai have made all payments to creditors and loans on time and paid mortgages off early.

Company response to consumer: Closed with explanation