vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 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: NY

Complaint narrative:
I submitted a previous complaint about how they were handling my request to switch income based payments. I thought the situation was resolved when they approved me for ICR payments with a {$5.00} forbearance in XXXX. In XXXX I never received the bill for {$5.00}. I called and I was told that they could not generated a bill because of when my request was approved, but I needed to pay the {$5.00} by XX/XX/XXXX, which I did. Subsequently, I was given a bill for XXXX which reflected my payment under the new plan. This week I was sent an e-mail saying that my request to be on the ICR plan that was already approved was rejected and now pending. I immediately called when I saw my {$5.00} payment for the forbearance was being considered an early payment for XXXX. I was told that when the automatic payment is made for XXXX the processor will see the payment was for my XXXX forbearance and fix the problem. 

This morning I received a letter in my file stating that my account is now in administrative forbearance and my XXXX payment under the new ICR plan would not be made. I would like this problem fixed asap. I want to get credit for the loan forgiveness program and Fedloans is purposely messing with my account.I did everything they told me to do and there is still a problem, which they have blamed on their computer system. 

Also, the amount of payments for my eligibility for loan forgiveness is incorrect. They have not processed 13 payments from when I was with XXXX XXXX. Instead of 45 payments my account should reflect 58 payments. I sent in an employment verification form from my eligible employer showing I worked there from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: NV

Complaint narrative:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 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: NV

Complaint narrative:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.. Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.. Chapter XXXX Bankruptcy Discharged 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 2019-06-05 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: LA

Complaint narrative:
My name is XXXX XXXX, my complaint is in regards to the way my loan payments are applied. Navient is the service provider. I currently have 5 student loans with them, all set up on Auto draft payments. In addition to the monthly autodraft I make over payments. I specify which loan each over payment should be applied to. The problem is, every time I make an over payment it automatically advances my due date on that specific loan so that the next ( or several ) regular payments are not made ( other than the interest ). I have called, and Navient apparently has a setting where any over payment will NOT advance the due date. However, 100 % of my overpayments have advanced my due date. I have to call, speak to a representative, and I get the same story 100 % of the time. They see that it shouldnt have, they apologize, tell me they will send in a request to a back office to get the issue resolved. The issue has never been resolved. This has been going on for over a year. My account is setup to not have my due date advanced but it still advances. 

The next complaint I have is in regards to over payment applications that I did NOT specify where the payment should apply. Again, my account setting is to have ANY additional payment applied to the loan with the lowest balance. Again, not a single time has this ever happened. However, the unspecified overpayment gets applied across all loans unless I call to have it reapplied. 


The resolution to the problem will be to have my loan payments apply the correct way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
In late XX/XX/XXXX we received notice that we owed {$100.00} from XX/XX/XXXX that could be settled for about {$46.00}. I received another in XX/XX/XXXX which I returned with reasons of dispute. The bill did not include any detail such as total bill, amount approved by insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX ) or amount paid by the insurance company. 

I then received a statement from them showing a charge of {$400.00} with the dates of service from XX/XX/XXXX to XX/XX/XXXX ( my birth date ). Another page showed a current balance of {$100.00}. 

I then called them to complain and I was asked if I had any intention of paying it. I responded no. The reason being that I was not billed for nearly six years. Had I been billed timely, if the charge was valid, I would have paid with my FSA card in pre-tax dollars. Due to the length of time between date of service and billing plus cryptic billing statement there is no way to determine validity of the charge. 

I have never received a bill until nearly six years later and then the bill is lacking in the normal information required to run through XXXX  of MI. It appears to have never been processed properly until it was discovered years later and sold off or turned over to XXXX XXXX XXXX XXXX, XXXX. who has hired Phoenix Financial Services to pursue it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: MO

Complaint narrative:
It's been several years and I am having difficulty getting an item cleared up on my Credit Reports from XXXX XXXX XXXX. I have made several requests to all three credit bureaus as well as contacted XXXX XXXX XXXX responsible for reporting the charged off debt. All three bureaus indicate that they have verified that the information contained on the credit report is accurate and to follow up with the original creditor. Unfortunately, the original creditor has ceased operations and directed me to contact the new loan service provider. The new loan service provider does not have any information pertaining to the account in question and is unable to resolve the matter. Therefore, I am unable to secure credit that I'm seeking due to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I have a collection from XXXX that has repeatedly appeared on my credit report. The original company, XXXX XXXX XXXX, failed to take my name off of a cable bill when I moved from Ohio to Pennsylvania in XX/XX/XXXX. This item has been bounced between CBE Group & XXXX XXXX in the last 3 years. I have contacted each company repeatedly to say 1 ) it is not my debt and to ask XXXX why they did not do their job and 2 ) to stop contacting me. CBE Group now calls my work number repeatedly ( XXXX pm XXXX, XXXX pm XXXX, XXXX pm XXXX, XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( twice ), XXXX pm XX/XX/XXXX ( 3 times that day ). 

If CBE Group refuses to cease contacting me about this debt and does not remove it from my credit reports ( even though I have disputed multiple times ), I will have no choice but to take legal action due to them violating the Fair Debt Collection Practices Act ( FDCPA ). They need to contact XXXX ( or XXXX or XXXX or whatever they are called now ) and tell them that this debt is not collectible. I am not responsible for XXXX making a mistake and should not have my credit ruined due to poor record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: VA

Complaint narrative:
Credit card attached to Google Wallet : XXXX  XXXX XXXX XXXX Merchant : Google Wallet Virtual card : XXXX - XXXX Amount : {$1200.00} Date of refund : XX/XX/2016 A refund was issued by XXXX XXXX for amount of {$1200.00} through the XXXX XXXX  card associated with my Google wallet account. 
I have attempted to reach XXXX  XXXX XXXX, Google, XXXX and XXXX but unable to trace the money. 

XXXX have confirmed that the refund went through as they did not get a reject message. 

XXXX XXXX XXXX where I have a credit card have confirmed through printed statements that the money never reached my account. My credit card number had changed just before the refund but the bank assured me that my older card number was still linked to my account and any refunds will still reflect on my account. 

I also reached out to Google which is where XXXX posted the refund. They have been unable to locate the funds as well. My Google Wallet account at the time showed that it's linked to a virtual XXXX card which only Google has details on. They never confirmed if they checked with XXXX to see if the funds we actually received. I can provide email messages between me and Google if needed. 

I also contacted XXXX again and they recommended that I contact XXXX which I did. Unfortunately they were unable to provide any info on that virtual card as I do not own it. 

Therefore it appears to me that Google Wallet is the only missing link here and they are the ones who can be able to find out what actually happened in that transfer. I have attempted several times to reach Google but I always hit a brick wall. 

Please assist me in tracing this money. Let me know if you need more details.

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 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is the worse when it comes to reporting, to my surprise, as I look thru my credit file I saw all of the account that were discharged in a bankruptcy do not say discharged in bankruptcy and now they are counting one of the accounts late payments which is affecting me even worse, I do not owe those debts any longer and they have them listed like I do. They took these accounts out of the bankruptcy and thats ilegal to do. I will be contacting the attorney generals office today and I will also file a small claims suit against Equifax if this bankruptcy is not deleted at once, this might be a game to this company but not me, I hope I see this come off my credit file in 10 business days or I will not hesitate to continue my quest for justice. I will also place a complaint to the bbb or better business bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
UAS XXXX has had the incorrect contact information on my account ever since they bought out the previous loan servicing company. I have tried multiple times to fix this but it has been an issue for at least a year. Because of their incorrect data, I do not receive any information in regards to loan status, due dates, or past due notices. 

Due to my loan bouncing around multiple companies, I have been unable to keep track when a payment is due, who it's due to, and what the amount is. In fact, I have received zero communication about past due notices, yet this company has no problem reporting it to the credit bureaus. They make no effort in working with the customer and leave me wonder what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: MO

Complaint narrative:
It's been several years and I am having difficulty getting an item cleared up on my Credit Reports from XXXX XXXX XXXX. I have made several requests to all three credit bureaus as well as contacted XXXX XXXX XXXX responsible for reporting the charged off debt. All three bureaus indicate that they have verified that the information contained on the credit report is accurate and to follow up with the original creditor. Unfortunately, the original creditor has ceased operations and directed me to contact the new loan service provider. The new loan service provider does not have any information pertaining to the account in question and is unable to resolve the matter. Therefore, I am unable to secure credit that I'm seeking due to this issue.

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 2019-06-05 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: MO

Complaint narrative:
It's been several years and I am having difficulty getting an item cleared up on my Credit Reports from XXXX XXXX XXXX. I have made several requests to all three credit bureaus as well as contacted XXXX XXXX XXXX responsible for reporting the charged off debt. All three bureaus indicate that they have verified that the information contained on the credit report is accurate and to follow up with the original creditor. Unfortunately, the original creditor has ceased operations and directed me to contact the new loan service provider. The new loan service provider does not have any information pertaining to the account in question and is unable to resolve the matter. Therefore, I am unable to secure credit that I'm seeking due to this issue.

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 2019-06-05 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: FL

Complaint narrative:
In the years of 2015 all my students loans was placed on a forbearance program. Navient is reporting it was not. On my credit and the attached documents Navient continue to report that I was 90 days late on XX/XX/2015 but made a payment on XX/XX/2015. How can you be 90 one month but not late or make a payment the month before. This is clearly a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 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: GA

Complaint narrative:
I have disputed this item with Experian for probably over a YEAR now and I have disputed it almost every other month. I just can't understand why someone doesn't actually read these disputes and tries to fix the problem. Rather than doing what needs to be done they simply look back at an old dispute and update my record from there. Problem is they are " UpDating '' it with wrong information which has caused me to NOT be able to obtain insurance thru XXXX XXXX and to pay higher rates with my current carrier as well as be denied credit with several different lenders/credit companies. 

XXXX XXXX XXXX..This account had a " Last Payment Date of XX/XX/2014, the account was closed and Written Off in XX/XX/2014 ... No further action was taken.. 
I cleared up this account with the collection agency who agreed to completely remove all their information. 
EXPERIAN is/has been showing me with RECENT NEGATIVE PAYMENT ACTIVITY and ARE CURRENTLY showing my Credit Report with 1 Recent Missed Payment in the past 60 days. HOW can I have a RECENT MISSED PAYMENT in the LAST 60 days when I have not been late on ANY accounts within the past 5 years +- ... Attached are copies of my report showing the information. The INCORRECT information. 

When I call Experian I get told either Dont worry, it falls off in 7 years or We will dispute this for you. They simply cant understand what I am reporting. Once I finish typing this report I plan on send copies to the CEO Experian XXXX XXXX. Being CEO Im sure at lease HE can read ...

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 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: AL

Complaint narrative:
Pending transaction on XX/XX/19 that hasn't even cleared yet caused two overdraft charges in the amount of {$72.00}. The charge is still pending but two overdraft charges POSTED before that charge. I have a pending deposit today that would cover that pending charge but they have gone ahead and charged me {$72.00} to ensure they get their money. It is not right. They are taking advantage of people who are already struggling. I attempted to resolve with XXXX but she told me that's just the way they post things and I could close my account if I had a problem with 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 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Had Samclub Mastercard since 2001, was about to take the card as my sole method of payment in a trip to Europe. Called customer service to inform them of my travel plan and was surprised that my account was closed. No notice, no letters, no emails, nothing ... 

Reason is lack of activities ... Account can't be reopened or activated ... have to apply again ...

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 2019-06-05 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:
In the years of 2015 all my students loans was placed on a forbearance program. XXXX is reporting it was not. On my credit and the attached documents XXXX continue to report that I was 90 days late on XX/XX/2015 but made a payment on XX/XX/2015. How can you be 90 one month but not late or make a payment the month before. This is clearly a violation of the Fair Credit Reporting Act.

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