vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately $ XXXX from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Reviewed my credit report seen where there was a collection account from " XXXX XXXX XXXX '' for an account with XXXX  or whomever it is with. 
I've never done business with XXXX or this company or ITS affiliates. 
PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS ASAP. 
I'M ALSO ATTACHING A COPY OF A POLICE REPORT RECENTLY FILED. 
THIS IS NOT MY ACCOUNT. 
SEIZE ALL COMMUNICATION EFFORTS AND REMOVE THE NEGATIVE INQUIRY EXPEDITIOUSLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Was told that interest would not ecru because I was not able to make payments due to unemployment from years XXXX to XXXX. Then because of other financial issues I was only able to make some payments. I asked about loan forgiveness and was repeatedly told if I was in a position that qualified, which I was, I would have to be in that position for a certain amount of years. I was told this several times. I was NEVER told that I had to make 90 straight payments. I went to school late in life and am now XXXX XXXX XXXX. I have also received penalties. When I argued over the last penalty fee, because it was totally unjustified, the woman told me not to worry about it. She said it goes on the back end of the loan and I didnt have to pay it until the end! I have asked about any help, programs reduction of the interest payments etc. Not only was I lied to, I can not find a way to pay this down! It has grown an extra 5,000! I am recently recovered from XXXX and dont know how I can pay this and my other debts. Surviving on my salary is hard enough, and taking on a second job is not an option because of my health. This company has repeatedly lied to me and I dont seem to have any recourse to fight them. I dont understand how they can do this and get away with it. I thought because it was a federal loan, it would be better than a loan from my local bank. I was so wrong. Is there anyone or any program that can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a member of the XXXX card since 2014 where I made a purchase and paid my debt off. Recently XXXX closed the card because I wasn't using it, but on my credit report, they report a negative mark stating that I had a late payment. which is false because I have never had a late payment on any of my 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 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a member of the XXXX card since 2014 where I made a purchase and paid my debt off. Recently XXXX closed the card because I wasn't using it, but on my credit report, they report a negative mark stating that I had a late payment. which is false because I have never had a late payment on any of my 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 2019-07-18 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: NY

Complaint narrative:
The accounts need to be remove from my credit report I would need this done immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I bought a Netspend Pre-Paid VISA card purchase price for the card was XXXX + Tax I put the amount of money on the card. There was no choice at this time that there were different plans to choose from that gave them the ability to take fees out of the money put on the card. The card they give you is temporary and for ten to fourteen days you have no idea that they can charge fees and what those fees are for. I bought my card thinking that the amount I paid to put the money on the card was the only fee that I would be charged so like an XXXX I never bothered to check but after the third purchase I made with the card I was wondering if something was wrong and I find out Im being charged XXXX for a monthly fee that I was never made aware of and it is do to the way Netspend does business. They purposely use a temporary card and give no information about how the card can take your money and by the time you receive your permanent card you have already started using it and a person tends not to have these questions at that time because when they used the card they had already committed to whatever the rules of the card was only to find out later that they have been hit with fees they never got the chance to deny it they felt they were unacceptable. By then the Netspend Company already got your money when you times this by thousands and tens of thousands Netspend making Great Amount of Money by ripping their customers off. So this is my complaint I dont think Netspend VISA should be aloud to continue ripping people off and I was wondering if you could stop them for us. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Experian company deleted from my credit report an account that lacks specific information and is even incomplete and after 15 days put it back without sending prior notification, this is a serious violation of the FCRA since they should have notified no more than 5 days of doing this in writing before proceeding to report the account again. in my credit report. 

Another point is that they automatically opened without my authorization a dispute of the reinsertion without my authorization making it happen as if I had done it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: NY

Complaint narrative:
I do not recognize the accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately XXXX XXXXXXXX from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately $ XXXX from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Idonotrecognizetheaccountsonmycreditreport

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: NY

Complaint narrative:
I do not recognize the accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX I was in forbearance with UAS LLC because I was living well below the poverty line. In XX/XX/XXXX I submitted an income based repayment plan application for monthly payments in amount {$120.00}. As of XX/XX/XXXX, I can not find record of the approval for the IBR in the UAS LLC portal, but I do have a XX/XX/XXXX message in the portal from customer service telling me to send the completed application to their email ( outside of the portal ). On XX/XX/XXXX, I made my first payment of {$120.00} and have been paying since. 

On XX/XX/XXXX, I received an email from my parents in which they sent a scanned PDF of a physical letter they received at their address ( my 'home ' address registered with UAS LLC ) claiming that I am delinquent on a payment of {$420.00}. The letter is on my XXXX XXXX XXXX College letterhead ( my institution ) and is signed by the school 's Director of Student and Departmental Account Services. On XX/XX/XXXX I sent an email to the director and to the UAS LLC addresses provided in the letter about how both of the organizations failed to adequately and fairly communicate with me in a timely manner about the charge. 

It is outrageous to me that UAS LLC and XXXX XXXX XXXX College think it's okay to communicate nothing about the alleged charge from XX/XX/XXXXto XX/XX/XXXX, and then think it adequate that a single paper letter from XXXX XXXX XXXX College in XX/XX/XXXXis fair and sufficient notice about the demanded payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have requested that the PMI Insurance requirement be stopped many times, beginning back on XX/XX/XXXX to as recently as XX/XX/XXXX and again on XX/XX/XXXX. 
My original request was with Ocwen Loan Servicing and is now with PHH Mortgage which acquired Ocwen as of XX/XX/XXXX. 
I have called numerous times and gotten various responses and various conflicting correspondence via email and mail with both servicers. Initially I was told 1. the loan had to be current every month since inception of the loan to be eligible to stop PMI at the mid point which was XX/XX/XXXX. 
2. Then I got a letter saying it would automatically stop only to receive another letter that said it would not. 
3. Ocwen told me I had to pay for a agent of their choice at a price of {$500.00} (? ) to determine loan to value. The tax valuation was not good enough nor was the assessment of a registered Architects valuation. 
4. I was also told that my house was rented so I had to keep PMI. For the record my home has NEVER been rented and continues to be owner occupied. 
They basically have refused to remove the PMI no matter what I do or who I ask and I do not feel I should have to pay a very expensive realtor of their choice on a mortgage that will mature in XXXX! I have tried arbitration to no avail either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted letters and documentation to remove unverified accounts on my credit report and the agency has not removed them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: NY

Complaint narrative:
I submitted letters and documentation to remove unverified accounts on my credit report and the agency has not removed them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
I filed for bankruptcy chapter XXXX on XX/XX/XXXX and the house I own in that time was discharged on XX/XX/XXXX. I filed chapter XXXX bk on XX/XX/XXXX and the company XXXX XXXX is trying to include this discharged debt on this bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: GA

Complaint narrative:
I filed a dispute with Equifax for a collection item that is reporting on my credit report that is not mine. I provided an ID theft affidavit and proof of my identity. The item is still reporting on my credit report despite several efforts to remove it. After calling the Credit Bureau on the phone they stated that the reason is the Identification I sent was not legible, even though the copies I have are clear. I have attached the proof of identity information that I sent to Equifax. I hope that you can help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
So all 3 Credit Bureaus continue to ignore my request for dispute by not completing a full dispute, its kind of disturbing to know how a credit bureau can complete a dispute in less than 5 days. That tells me the dispute is not being done correctly and not being done in accordance with the law and my rights. This complaint has been created because there is two issues with my credit files that keep getting ignored.

1. The credit bureaus continue to allow XXXX XXXX XXXX to report false numbers to them, I due not owe an outstanding balance or am I late or ever have I missed a payment. The loan was restructured and while it was being restructured the false numbers where being reported, I am current with XXXX. 

2. All of these fake hard inquires have appeared on my credit file I have only submitted 2 for this year not over 10 like is being shown. Only credit Inquires that should show on my file is a XXXX  XXXX and XXXX XXXX that is it, The Credit Bureaus have seeked and sought to destroy my credit files by allowing these inquires to hit my report while my report was in frozen status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The XXXX company deleted from my credit report an account that lacks specific information and is even incomplete and after 15 days put it back without sending prior notification, this is a serious violation of the FCRA since they should have notified no more than 5 days of doing this in writing before proceeding to report the account again. in my credit report. 

Another point is that they automatically opened without my authorization a dispute of the reinsertion without my authorization making it happen as if I had done it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit System, they do not want to send any documents with my info. I dont see it on my credit report. Its affecting my life. They want me to file a identity theft. I dont see this on my credit. It took them a week for them to find me in there System. They told me to contact the apartment complex. The company with the number do not own the apartment complex anymore. The company never picks up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I filed for bankruptcy chapter XXXX  on XX/XX/XXXX and the house I own in that time was discharged on XX/XX/XXXX. I filed chapter XXXX bk on XX/XX/XXXX and the company XXXX XXXX is trying to include this discharged debt on this bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX the servicer changed on my XXXX mortgage loan from XXXX XXXX XXXX  to Select Portfolio Servicing ( SPS ). In XX/XX/XXXX my credit score dropped 44 points. On XX/XX/XXXX I found out it was because SPS was reporting my mortgage loan as a NEW MODIFIED loan instead of that they are the new servicers of my existing loan from XX/XX/XXXX. The information SPS is reporting is completely false. When I contacted SPS via telephone, they told me that they are reporting it correctly and will not change it. 

When I reported it to XXXXXXXX XXXX stated that SPS said they are reporting correctly and XXXX will not change it. 

I did not obtain a NEW loan from SPS nor did I MODIFY my loan with SPS. I was forced to have SPS service my loans when they obtained these rights by becoming the new servicer for my loan. Reporting that I obtained a NEW MODIFED loan from SPS to the credit bureaus is completely false and against the law. 

My credit score is being detrimentally impacted since SPS is reporting this as a NEW loan instead of just a new servicer to my existing loan and they refuse to correct this information. 

The credit reporting agencies refuse to assist me since SPS is reporting to them that their information is correct. 

HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation