vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: TX

Complaint narrative:
Two issues with Conduent, but they both apply generally to all student loan servicing companies.

I pay my loans, more than is needed. No problem there.

My issues are what the servicing companies are allowed to do : ( 1 ) Unilaterally changing service providers. This happens often and fundamentally affects my ability to communicate with the servicing agency and keep track of balances. Can I unilaterally give my debt obligations to someone else that may or may not pay, the way the servicing companies are allowed to shuffle loans around at will? I didn't think so.

( 2 ) The " TO PAY OFF YOUR ENTIRE LOAN '' amount placed on loans. Good through some imaginary 10 day time period. This is a complete fiction. No one mails in payments and if someone did and the USPS delayed delivery the servicing company would tack on more interest. Right now my loan says to pay it off I need to add XXXX   dollars worth of interest. But if I click on the interest accumulated today there is only one dollar of interest. This is a complete scam to trick people into overpaying. Is anyone monitoring the amounts of interest overpayment when people make one time payoffs? Small fractions are easily millions of dollars. The servicing companies should be required to list a " PAY IT TODAY '' amount. I am shocked this system has been in place for so long when today the internet alllows simple same day payments which I would guess accounts for >95 % of all payments processed by Conduent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had a checking account with Capital One 360 back inXX/XX/XXXX During this time i was the victim of fraudulent activity on my account which caused me to go go past due. In Spring of XX/XX/XXXX i claimed Chapter XXXX bankruptcy and was discharged XX/XX/XXXX. Capital one was notified that i had fraudulent activity on my account, and that it should be discharged, and collection attempts should stop. Capital one has been very aggressive with illegal collection attempts even after my attempt to inform them they should be resolved. They refuse to let me dispute the items that were fraudulent and occurred pre bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone open a credit card in my name with Capital one and now their charging me for several cards and it's stoping me from being able to get credit cards let loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
During the past month I have disputed the validity of the alleged debt that XXXX  claims is due or owed. In my previous complaint I point out the FACT that there was no written notification sent to from XXXX to me after the company XXXX XXXX XXXX said they would cease and desist with collections. So with that and per the FCRA I should have received a written notification that the negative information would be added to my credit file. I have yet to receive this letter from XXXX  after the case with XXXX XXXX was closed and before the negative information was added to the consumer report. The issue is that there is no meaningful relationship between the consumer and XXXX. There is no signed agreement by both parties making the consumer legally binding to XXXX. The company also in their response sent company sent copies of a statement which doesnt show what was agreed upon, but only a record of the interest rate that was charged. Sufficient evidence would be a purchase agreement and a sworn statement from the original creditor who has first hand knowledge of the account and transaction ( s ). Also in this alleged account it shows the consumer name spelled as XXXX XXXX. I have no knowledge of that person or spelling of their name as my true name is XXXX XXXX  Furthermore pursuant to 15 U.S.C 1692d ( 1 ) debt collectors are prohibited from engaging in any conduct the natural consequence in which is to harass, oppress, or abuse any person in collection of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I do not recognize any of the hard inquiries on my credit report and have never heard of those type of places and I've never applied to any of them and not sure what or who they are. I feel some has used my identity in the year XX/XX/XXXX and XX/XX/XXXXbecause I did report identity theft back in XX/XX/XXXX. IRS called me back in XX/XX/XXXXto notify me someone was indeed using my information and for me to make a police report in which i did. The problem I have is why are these hard inquiries still their if its due to identity of my information being used without my consent or me even being aware of this. Please help me get rid of these unknown inquiries that don't imply to me and never have. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
on XXXX not sure of the date i disputed a debt for {$700.00} for XXXX XXXX XXXX which is now know for charter communications on XXXX XXXX i received a letter stating they were deleting the {$700.00} because i gave them prove and all that the account had not belong to me so they removed it last year XX/XX/XXXX then i guess they sold it to another company which i disputed that again so they removed it again i provided them with prove the account was not mine here we are again XX/XX/XXXX and they have a new collector name CBE GROUP collection agency putting back on my credit i went through all of this did what they asked it doesn't belong to me im asking to tell them remove it immediately from all three credit reports or i will be suing them for reporting negative information on my credit report which is affecting me tremendously from moving forward. ' tired of this you cant make an account belong to someone that isn't theirs PLEASE DO SOMETHING OR I WILL BE FILING A POLICE REPORT MONDAY MORNING THIS IS RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I have a mortgage with Caliber Home Loans, since XX/XX/XXXX. The escrow amount for the mortgage had recently increased by about {$500.00} per month due to an increase in property taxes. The payment was {$2600.00} but increased to {$3100.00} effective XX/XX/XXXX. 

While Caliber did notify me via postal mail, I did not notice that my payment was going to increase. I typically always pay more than the minimum amount due on this mortgage in order to pay it off sooner, but it wasn't enough to cover the new minimum payment due. 

My normal payment of {$2700.00} was received by Caliber onXX/XX/XXXX, but was held in 'unapplied ' status until the remainder of the payment was received on XX/XX/XXXX. 

And as you can see from the attached statement, it still is in some sort of limbo status, and my principal balance is not reflecting the payment. ***I have been accruing additional interest due to their failure to post the principle and interest payment when they recieved it on XX/XX/XXXX, and still not posted as of today XX/XX/XXXX. 

Caliber made no attempt to call or leave a voicemail on my phone until XX/XX/XXXX. 
I have never been late on a mortgage payment. And Caliber is being predatory with this late payment, that was due to a recent change in escrow and the minimum payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Greetings, I have tried to fix this issue now twice with my bank and they had credited my account and now they reverse the charges telling me that they dont see any errors or that they dont see that the account was closed with XXXX XXXX XXXX  credit card which is the same bank I also had a complaint against for fraud. 
Basically, XXXX XXXX is not protecting their consumers because I told them that I had already filed a report against XXXX XXXX and they should not have taken my money and that is one reason why I have my bills pay directly with another banking institution because with XXXX XXXX it always a drama and injustice to get your case resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was informed by XXXX that Experian has my Social Security number incorrect and an old address listed.

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 2018-03-31 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'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX  XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX XXXX account ending XXXX, XXXX XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this

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 2018-03-31 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: CA

Complaint narrative:
FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}

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 2018-03-31 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I do not recognize any of the hard inquiries on my credit report and have never heard of those type of places and I've never applied to any of them and not sure what or who they are. I feel some has used my identity in the year XX/XX/XXXXand XX/XX/XXXXbecause I did report identity theft back in XX/XX/XXXX. IRS called me back in XX/XX/XXXX to notify me someone was indeed using my information and for me to make a police report in which i did. The problem I have is why are these hard inquiries still their if its due to identity of my information being used without my consent or me even being aware of this. Please help me get rid of these unknown inquiries that don't imply to me and never have. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 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'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX  XXXX account ending XXXX, XXXX  XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 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'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX XXXX account ending XXXX, XXXX XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this

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 2018-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XX/XX/XXXX closing. XXXX mortgage amount .The process started several months before date of closing. we were told that our FHA mortgage would have to have PMI and after 5 yrs or 20 % equity, the pmi would fall off. Apparently the rules changed on XX/XX/XXXX that year and we are locked in to paying for the life of the loan. I feel that we were misled and coaxed into signing for the pmi with the impression it would fall off. I also feel since our loan process started long before the change we should be held to the original parameters of the pre- XX/XX/XXXX fha guidelines. 

This probleme came evident when discussing whether to refinance or not because we were coming up on 5 years/20 % equity.

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 2018-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}

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 2018-03-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
On my credit report it says that I missed payments which isnt true. I have bank statements that shows I have paid them during those months. This has brought down my credit score considerably.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: CT

Complaint narrative:
OnXX/XX/XXXX there were a few transactions on my credit card. The credit card is with XXXX XXXX XXXX  those transactions were fraudulent transaction not made by me the company refund me and gave me credit .my problems is that one undecided to cancel my XXXX line credit card they reported me to the three credit bureaus unfairly. I have requested from them the statement of when i first reported the fraudulent activities but they refused to provided me with that information. The reason i asked for this is so i can summit a dispute with the credit bureau explaining those unfair late payment that were reported to the credit bureaus. My credit have decrease tresmendely due to their unfair practice it when from XXXX _ XXXX. because this happen to me i did research on XXXX XXXX   and they have done this too quiet a few of consumers. All im asking them is to contact the bureau and fix their wrong doing the transactions happen inXX/XX/XXXX i have a letter from them that i receive XX/XX/XXXXa year after i reported the fraudulent activities i keep going back and forth for month with them. the reason i am filling my complaint now is because i just saw the my credit report i never thought they will do this since those transactions were fraudulent which they determine are fraudulent. They refused to help me with papers work to get this of my credit i appreciate your organization help and please i hope one the investigation is done you can help other consumer affected by this dishonest practice of this company. The name of the company is XXXX XXXX XXXX and their phone number is 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 non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
It was my understanding that the only way that i could receive student loan forgiveness ( i am an XXXX ) was if i consolidated my student loans with XXXX XXXX. After 10 years of public service, 120 on time payments, I could request forgiveness. I was never advised as to what type of payment plan that I would need to be on, only that a qualifying payment would need to be made. I began making standard payments on XX/XX/2012. Believing that I was doing the right thing and on course for loan forgiveness, I submitted my employment certification form for PLSF last year, ( which is now missing from my file uploads in my online account ). After submitting my employment certification form I was notified that I would need to switch to a " qualifying '' payment plan. I researched through the website the qualifying payment plans and found them to be MUCH higher than my standard payment. So much higher that if I switched to the qualifying payment plan I would have my student loans paid off by the end of the 120 qualifying payments. Me paying off my student loans does not equal student loan forgiveness. I then called XXXX XXXX to see if what I was seeing was correct and the XXXX  phone representative said, yes i would in fact pay off all of my debt by switching to the qualifying payment plan and that does in fact happen for a lot of people that they are the ones that actually pay off the balance. THIS MAKES NO SENSE. I have been tricked into believing that I could be eligible for student loan forgiveness, consolidated my loans at a higher interest rate, was not explicitly given the choice of the correct payment plan for student loan forgiveness, then was informed that I would, in fact, still pay off my loans completely before i would meet all of the qualifications for student loan forgiveness. This company, who handles ALL of the federal student loan debt for people wishing to seek student loan forgiveness is not working to help people get rid of their debt. They are making money off of misinformation, incomplete information, or neglecting to provide consumers with the clear path to student loan forgiveness.

Company response to consumer: Closed with explanation