vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group
State: MD

Complaint narrative:
I graduated XX/XX/XXXX. In XXXX I put my student loan in forbearance or so I thought, I had a infant and was unemployed. When I went to pay on my loan in XXXX XXXX XXXX told me my loan was much larger then what I applied for. I asked for a payout details to my college. I was told that they could not send me anything but they would tell me what was paid to my school. I had no way to dispute what was applied for or what was paid. I told them the amount was too high but I was told interest made it balloon. I did not make any payments because I always disputed the amount but could not prove anything ( My loan paper work was lost in a fire in XXXX ). After 15 years I did get a XXXX job that required I not have unpaid debt so started to make small payments on my loan. I then asked XXXX XXXX for my statement of payouts to my college and I was told they don't have anything to show me they just own the loan. After making payments my loan was bought again by another company. XXXX owns my loan now and on there loan page it says both of my loans one for XXXX and the other for XXXX are now {$25000.00} & {$15000.00}. The alarming thing is I have two loans that were still being disbursed on XX/XX/XXXX but I graduated XX/XX/XXXX, I never went back or applied to go back to school. I told the rep I did not go to school in XXXX and I did not apply for loans after XX/XX/XXXX. The customer service rep at XXXX said if I graduated in XXXX unless I signed for those loans in XXXX then there is some kind of fraud and my amount needs to be reviewed. I need to know why in XXXX loan where being paid out to the XXXX XXXX XXXX XXXX. The school is closed now so I can not get answers from the financial office. The XXXX rep told me to reach out to this site and XXXX 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 2019-02-14 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX, and XXXX credit report. 

2. The inquiry was not authorized XXXX Cards Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX and XXXX   credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX and XXXX credit report. 

4. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

5. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

8. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

9. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

10. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

11. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

15. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

16. The inquiry was not authorized XXXX XXXX CH Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. They are all non-permissable inquiries that I did not authorize in writing, It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2019-02-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: GA

Complaint narrative:
Pennsylvania Higher Education Assistance Agency ( PHEAA ) continues to ignore my requests of due process of law regarding my student loan debt. Please see attached document that explains the latest update regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: FL

Complaint narrative:
Equifax refuses to comply with FCRA regarding identity theft they were the cause of a huge security breach and I was one of the people affected. Equifax refuses to remove incorrect information and time and time again I have sent them police report identity theft report Letters conversation ends to no avail. When the CEO step down whoever oversees the fraud and the identity theft department at Equifax credit bureau also should have stepped down or been terminated because it is poorly run my livelihood is on the line because of this despicable credit bureau not reporting correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that ere not mine. Please remove these items off my report e.s they ere not mine. XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX   XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX ( XXXX : XXXX XXXX  : XXXX Transunion : XXXX ). I contacted the FTC and my local police. Im also working on my own behalf.

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 2019-02-14 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: TN

Complaint narrative:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that ere not mine. Please remove these items off my report e.s they ere not mine. XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ). I contacted the FTC and my local police. Im also working on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: GA

Complaint narrative:
XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX. 

On XX/XX/2019 I made a payment on time for the amount of {$100.00}. This payment was paid on time as agreed. 

On XX/XX/2019 I made another payment of {$870.00} in an attempt to increase my credit score and lower my account balances. As I am trying to obtain a mortgage. I received confirmation both payments were made and taken from my XXXX XXXX account. 

On XX/XX/2019 I was notified via XXXX XXXX of a over 30 day late payment on this account. Having realized this was an error and the payment was made as agreed, I called and thought this to be easily corrected as an error. Instead, I was told they have no method to correct errors reported and I would need to dispute the error. I explained I needed this corrected now as it will effect my mortgage. Instead, I was told that an error occurred and they could not identify the error but there system did not take the payment as I was advised and that because of this unknown error they would waive the late fee and take a phone payment at no cost for the trouble. I said, I could care less about the offer I wanted to make the payment and have my credit reporting error corrected. I was told they could not remedy the error as it was unlawful to change the report. 

I have made the payment in good faith. The payment was not returned from my error or NSF. It just did not go through. No one ever called or emailed me to advise the payment was late or did not process. Instead without me being told they took the credit of my payment away and did not bother to send me certified mail, email or call me. I had to contact them after being notified via 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 2019-02-14 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: LEXISNEXIS
State: OH

Complaint narrative:
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can pull my file because of the block on my file please remove it at once!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems reported a six year old debt on my credit history after it was removed previously in XX/XX/2018 after being disputed on my credit report. I demand removal of this negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CA

Complaint narrative:
In XX/XX/XXXX I notified Experian, XXXX, and XXXX of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XX/XX/XXXXuntil now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.

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 2019-02-14 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: OH

Complaint narrative:
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can pull my file because of the block on my file please remove it at once!!

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 2019-02-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can pull my file because of the block on my file please remove it at once!!

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 2019-02-14 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 — Was not notified of investigation status or results
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I reviewed my credit report and noticed a {$41000.00} charge of from Pentagon Federal Credit Union. I immediately disputed this account with each Credit Bureaus and Pentagon. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with Pentagon due to being approved for a Car Loan through Dealership XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by Pentagon Credit Union and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to Pentagon Federal Credit Union. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way Pentagon was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/2018 which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the Pentagon, XXXX , and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although Pentagon responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )

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 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My current mortgage is under my name and my XXXX XXXX XXXX name. I have applied for a qualifies assumption to have the mortgage in my name only and have followed the banks directions. I started the process in XX/XX/2018 and was told that it will take 60-90 days. Bank of America keeps asking for different documentation and documents that they know it is not available. Then they closed this application as incomplete in XXXX knowing that the court document won't be available 2 weeks later. Now the application is open again. They again asked for documentation that is not available because this case is in court. My credit very well qualifies. The bank has qualified me for a full refi ( closing costs over { {$5000.00} } ) so my suspicion is that the mortgage assumption is not as lucrative as full refi which I do not wish to pursue, please help me. If I started a refinance application with another bank, it would only take 30-45 days. It has been 5 months and the application is not approved.

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 2019-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I notified XXXX, XXXX, and Transunion of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XX/XX/XXXX until now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.

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 2019-02-14 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: CA

Complaint narrative:
In XX/XX/XXXX I notified XXXX, Equifax, and XXXX of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XXXX until now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I recently made an overpayment on one of my loans, and specified that the overpayment be directed to my highest interest loan and not to advance my due date. However they processed the payment to advance my due date rather than billing me for my next full monthly payment. I noticed and am planning to pay off my loans in full to avoid any further difficulties. Their default was to advance my due date, which in effect makes it take longer to pay off my loans and allows them to charge me more interest over the long term. Moreover, this was despite the instructions that I explicitly gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/19 : deposited {$5000.00} check from XXXX into our Bank of America checking account via ATM. Immediately informed that there is a deposit hold : funds available XX/XX/19 XX/XX/19 : funds deducted from XXXX account. Still see deposit hold XX/XX/19 : bank officer states he can do nothing. Advised try using the app to resolve. Did that. Told hold would be in effect until XX/XX/19. 
That is 11 calendar days or 8 banking days. Were a consumer to do this, it would be check kiting, with BofA it seems policy

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