vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 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: FL

Complaint narrative:
Experian reported on XX/XX/2018, XXXX XXXX XXXX which is violation of FCRA Section 623 ( a ) ( 1 ) ( C )  per the FTC website. Experian has removed the account from my account already and this account should not be there they have reinserted an already removed account which is a violation punishable under FCRA laws.

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 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
I've contacted the company numerous times since XX/XX/2017 pertaining to a collection from XXXX that's reported on my credit report. I've requested that they send documentation validation the collection but they've failed to send me any documentation upon my request.

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 2018-08-02 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: CA

Complaint narrative:
In XX/XX/XXXX my loan servicer, XXXX, sold my loan to XXXX. At the same time I applied for PSLF. At that time I met ( and still meet ) all the requirements for PSLF - 1 ) I have been a XXXX for nearly 10 years, 2 ) I  had a direct loan 3 ) I have been in an income-driven repayment plan and 4 ) I have worked for a qualifying employer - XXXX/XXXX XXXX   with a XXXX XXXX XXXX. 

XX/XX/XXXX/XX/XX/XXXX, I was notified by XXXX that I had 0 qualifying payments. 

XX/XX/XXXX, I contacted XXXX to review payment tracking and request manual review of qualifying payments. I was informed that the manual review process would take up to 6 months. 

XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to inquire why I had not received information regarding the outcome of the manual review of qualifying payments. At the time I spoke with both representatives as well as a supervisor. I continued to be told that they were " backlogged '' and that I would have to wait. 

XX/XX/XXXX, I contacted CFPB to understand the complain process and file an online complaint. I contacted XXXX again to obtain the status of my qualifying payments review and verify history of my correspondence. 


I have been waiting nearly 1 year and XXXX has still not completed or accurately reflected the number of qualifying payments I have towards PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 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: FL

Complaint narrative:
All THREE Credit Reporting Bureaus- Equifax , XXXX  and XXXX are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX  Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: UT

Complaint narrative:
XXXX/XXXX  is reporting a negative balance and negative account since XX/XX/2013 and the account was taken care of in the loan modification in XX/XX/2013.

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 2018-08-02 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX/XXXX  is reporting a negative balance and negative account since XX/XX/2013 and the account was taken care of in the loan modification in XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have constant phone calls from American Express ( they say they are from American Express ). They ask for XXXX XXXX. XXXX XXXX is my ex-husband we've been divorced since XX/XX/2002. When I explain this they demand that I provide them with his phone number. I've not done so, but I have forwarded their phone numbers to my ex-husband. I've also asked them numerous times to stop calling me, they have not stopped calling. It's been 4 months. 
The phone numbers are XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: NC

Complaint narrative:
XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX all accounts listed are being incorrectly reported

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 2018-08-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX all accounts listed are being incorrectly reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 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: NC

Complaint narrative:
XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX all accounts listed are being incorrectly reported

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 2018-08-02 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:
All THREE Credit Reporting Bureaus- XXXX  , TransUnion and XXXX are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX  by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.

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 2018-08-02 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:
All THREE Credit Reporting Bureaus- XXXX , XXXX  and Experian are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX  Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.

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 2018-08-02 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: NJ

Complaint narrative:
Account PAID/CLOSED still shows in Collections. My wife & I have exact profiles from joint accounts. We paid off credit card, increased available credit, decreased debt, and cleaned up disputed accounts. Her FICO Score INCREASED while my FICO Score DECREASED. Experian states there is nothing they can do to reticify the error which is negatively impacting me. The other two credit bureaus appropriately increased my score.

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 2018-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE AND PROVIDE ALL INFORMATION TO MY SERVICER, THEY HAVE REPEATEDLY REQUESTED FOR MY TAXES WHICH I HAVE CONFIRMED ON EVERY CALL THAT IT HAS BEEN RECEIVED. 

I SPOKE TO A SUPERVISOR WITH THE TELLER ID # XXXX AND WENT OVER THE TAXES WHICH WAS CONFIRMED RECEIVED. I HAVE LOST MY XXXX 'S SO I HAD TO REQUEST TRANSCRIPTS FROM THE IRS WHICH CLEARLY STATES THAT I FILED XXXX TAXES WITH MY NAME AND SS #. THE SUPERVISOR I SPOKE TO DIDNT KNOW HOW TO READ TRANSCRIPTS BECAUSE I WAS TOLD MY NAME WAS NOT IN IT SO I HAD TO POINT IT OUT, THEN STATED MY SS # WAS NOT ON IT SO AGAIN HAD TO POINT IT AND LAST QUESTION SHE ASKED WAS I DONT SEE THE TYPE OF TAXES YOU FILED SO AGAIN POINTED OUT WHERE TO LOCATE IT. I CANT BELIEVE THAT A SERVICE OF MY LOAN DOES NOT KNOW HOW TO READ TRANSCRIPTS.. THIS IS MY HOME AND THEY ARE IN CHARGE OF MY LOAN, XXXX HELP US ALL. THIS IS WHY XXXX HAPPEN DUE TO CFPB AND FTC NOT REGULATING WHAT THE LENDER IS REALLY DOING. THIS IS SO ABSURD THAT I HAVE TO EXPLAIN TO THEM HOW TO READ TAXES!! I WAS NOT IN FORECLOSE UNTIL XX/XX/XXXX AND THESE TAXES HAVE BEEN CONFIRMED RECEIVED SINCE XX/XX/XXXX WHEN I FIRST APPLIED. CARRINGTON MORTGAGE HAS PLACED ME IN FORECLOSURE WHILE I HAVE BEEN IN COMPLIANCE WHICH MEANS THEY ARE NOT IN THE BUSINESS OF SERVICING THE LOAN THEY ARE IN THE BUSINESS OF TRYING TO FORECLOSE ON PROPERTIES FOR THE INVESTORS THAT HIRE THEM. 

I JUST SPOKE TO XXXX XXXX ID XXXX WHO CONFIRMED AGAIN THAT THE TAXES ARE THERE AND SHE SEES THE NOTES OF THE PREVIOUS SUPERVISOR TELLING THE INTAKE TEAM WHERE TO LOCATE LEGAL DOCUMENTS PROVIDED BY THE IRS WHICH THEY ARE IGNORING AND DOING WHAT THEY PLEASE. MY ASSIGNED POINT OF CONTACT XXXX XXXX ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Elmview Management Services
State: CA

Complaint narrative:
XX/XX/18 ( XXXX PST ) - An unknown caller contacts me requesting to schedule a time to drop off legal/court documents. The caller would not provide his name, would not provide who he was representing. The caller provided a phone number ( XXXX ) XXXX. 

XX/XX/18 ( XXXX PST ) - I contacted the number provided by the " server '', XXXX XXXX speaking very quickly indicated that I was being served court paperwork on a past debt. He informed me that he was not able to elaborate until he was able to speak to his legal team, at which point I was placed on a brief hold. 

XXXX returned continued to resist identifying what the debt was in reference to and placed me on another brief hold and returned again. At which time he accused me of check fraud, at which time I asked him to clarify. This was quickly recanted. He indicated that I was going to be served with legal paperwork and that I was going to be sued. An additional request for information was prompted by me, he began to speak loudly and talk over me then hung up.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-02 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: NY

Complaint narrative:
I have been disputing 3 accounts on my experian report that should not be on my report. XXXX account XXXX, this account is originally known as XXXX XXXX/XXXX XXXX which was removed and paid in the amount of XXXX this account was sent to XXXX which is not lingering on my report which should be deleted as per incorrect information i even tried speaking to several employees at experian and they were no help. Second account is university XXXX  XXXX XXXX balance of XXXX should not be on my credit report as this is incorrect. XXXX XXXX XXXX is the only one that should be on my credit report i have disluted this account over 60 days and experian does not remove it giving me a hard time. The third account is XXXX XXXX XXXX XXXX this account was paid in full and should be deleted off my experian credit report as this is inaccurate.

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 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I contacted Southwest Credit Systems to try to get information as to the validation that never occurred. I paid the final bill that XXXX presented. We went into the XXXX office and paid the balance that they requested at their office. There was no communication that there was any other balance. My wife changed her number to a different account and I changed my phone number to my work phone. I have never received any bill from XXXX or Southwest Credit Service yet they have reported a collection account. Southwest Credit Systems claims to have sent validation notices to a P.O. Box but I have never received it. I requested it again. They said they would send it to a new address but they refuse to remove the account while the validation process is completed. They reported it to credit before any validation. 

I asked for their Agent For Service contact information and they have refused to give it to me. They claim that the only mailing address is their XXXX XXXX XXXX XXXX Texas. They claim that their agent for service does not have an email or a fax number. I spoke to XXXX. I also spoke to XXXX 's supervisor. Their refusal to provide me information to serve legal notices is appalling and a direct attempt to avoid obeying the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I called said company regarding the multiple inquiries on my credit report and i was told to contact the credit bureaus regarding this issue that they could not do anything regarding this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau Collection Services, Inc.
State: AR

Complaint narrative:
CREDIT BUREAU COLLECTION SERVICE , INC KEPT CALLING MY CELL NO.XXXX, SKIP TRACING FOR FAMILY MEMBERS 13 TIMES ON MY CELL OVER THE PAST 7 MONTHS. ( SEE SCREENSHOT PHOTOS ). ALSO, TOLD THEM IN XX/XX/2018 THAT MY NUMBER WAS IN THE INDIANAS DON'T CALL REGISTRY, BUT KEPT CALLING. THEY HAVE VIOLATED THE FDCPA AND TCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have had a home equity loan with USAA for about 10 years. Durning that time I have made the agreed monthly payment plus a separate payment ( {$200.00} ) that was applied to principle only. This worked fine until USAA transferred the administrative tasks to XXXX XXXX  in XXXX of this year. Since then XXXX has taken out interest first then applies the remainder to principle. I have called USAA a number of times to resolve this only to be told they will get back to me by the next day, this has not happened. I have also called XXXX and was told by them that USAA has directed XXXX not to process the loan in that manner. I was also told by XXXX that they will send me documents to clarify my loan, this has not happened. 
To support my claim I have : 1. email from XXXX 2. Bank and loan statements from USAA 3. Loan Statements from XXXX I have not attached these documents as they contain sensitive information you stated such not be include in this submission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This company ( XXXX XXXX ) is not able or unwilling to provide me with monthly statements that show amount paid, interest charged, amount applied to principle, and new balance for monthly on-line payments on my Lowes advantage credit card.I talked to a customer service rep ( XXXX XXXX ) and she said that I should be receiving monthly statements in the mail or by E-mail if I had selected that option on line.Several weeks ago I selected the option of receiving them electronically on line but that has not been successful either so I have no idea how they are applying my monthly on-line payments.I expect that when I make payments on -line I should be able to read a summary of all monthly statements to date on line.Their site has a selection labeled summary of activities and statements but all that shows is the amount of past payments and dates rec'd.Therefore I have no information about how each on-line payment I make is applied to the previous month 's balance.

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 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX does not update their information, things for 7 years ago that has been paid off is still on my report. I have been having issues gaining employment because of credit report issues.

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 2018-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash calls me, and when I answer, it is an automated message saying that I have a payment due tomorrow. I have never had a Speedy Cash loan. I have returned their call multiple times to tell them to quit calling me, but I continue to receive automated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I called said company regarding the multiple inquiries on my credit report and i was told to contact the credit bureaus regarding this issue that they could not do anything regarding this

Company response to consumer: Closed with explanation