vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
1st I was scammed by XXXX XXXX XXXX and then Sallie Mae and now you Navient. Since XXXX XXXX XXXX broke the law, and admitted to it during the proceedings of their class action lawsuit, former students are entitled to apply for a Borrower 's Defense Discharge, which makes them eligible to have all their related student debt wiped out.class-action lawsuit filed on behalf of 2,200 students at the for-profit cooking school is on its way to settlement, with XXXX XXXX XXXX. I have been paying on my school loans {$500.00} a month for 13 years. 

This is ridiculous. I received an email from you guys in XXXX stating that no payments would be due until XXXX which is aparently a lie because my account is now thousands of dollars past due. I have had enough and him financially burdened and can't do this anymore the hardship is overwhelming. I can not make another payment and will be filing bankruptcy if I need to. I believe all my loans should be discharged and considered paid and full. I have been paying for 13 years and this is enough. 

Technically speaking this should have been gone a long time ago with all the lawsuits that both Navient, Sallie Mae and XXXX XXXX XXXX have ancured. But you are the one who most recently screwed up my account with this covid stuff and the no payments due till XXXX. Start by adjusting and fixing the mess you made from this year and then we can finally talk about the rest. I would be open to a small settlement to clear this without lawsuits proceedings hearings and all that XXXX. Once you get the account current I'm sure we can come up with something. I will keep an eye on my account for It to be up to date. 

But the information is not acceptable. The original in my I received said that the loans would not be due till XXXX and were not made clear that this was not for all the phones. I even received an email as early as a couple days ago that said no money was due and XXXX balance. Please fix this issue to make the account 's current or you will not see another dime from me ever. I will still be keeping an eye on my count for the changes to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I previously called and requested an investigation from MACYS due to a fraud transaction made in my account. I reported these fraudulent transactions and they are well aware that someone from another country was placing online orders and having stuff delivered to different addresses in different states. 

I called MACYS about this and requested an investigation. I know that while the transactions are being investigated due to fraud no late payment should be reporting in my account while this is being investigated. The problem is when the bill is generated MACYS still charges me on fraudulent transactions plus bank fees. I am not liable for these fraudulent transactions and so I will not be responsible for late-payments and interest charges. The worst-case scenario is that this is negatively affecting my credit score. The late payments  reported from XX/XX/2018, XX/XX/2018, and XX/XX/2018 should be removed from my credit report. 

Account I am disputing : DSNB MACYS - 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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I was checking muy report through XXXX XXXX and I realized that my score went down 51 points. All of the accounts were removed and my mortgage was removed as well. I am very serious about my credit and I have been struggling so hard to get my credit together. I pay my bills on time. This is very annoying during this pandemic. I am having anxiety due to this. I went on back on XXXX XXXX Saturday XX/XX/2020 and noticed that the some of the information was placed back on my report after I made the phone call to Equifax on Friday XX/XX/2020. I spoke to XXXX the customer service rep and also XXXX the supervisor which told me there was nothing that could be done and that someone sent in a letter requesting that this information be taken off. I was asked if I had any third party apps and Equifax stated that they do not report the correct info. I said to them how is that possible. Why would they not report the right info if they are representing your company. She said we sell your nfo to them. I feel that my right s have been violated and I want something done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: NY

Complaint narrative:
On XX/XX/XXXX I began a dispute with Equifax in regards to a public record item reporting incorrectly, inaccurately and incomplete on my credit report. The first response requested me to send in identification. I sent that in on XX/XX/XXXX ; I was then ignored and I sent a letter disputing no response from them on XX/XX/XXXX. I finally get a response that states the public record item was " verified '' by a third-party company XXXX. I also disputed that public record item with XXXX ( in XX/XX/XXXX ) and the results back as it was REMOVED XX/XX/XXXX from my credit file and is no longer reporting on there. I wrote to Equifax explaining the removal as well as a copy of the proof from XXXX however Equifax claims it has still verified that item through XXXX as accurate after their re-investigation, which no proof of investigation was sent to me and no note/remark was placed on my file during investigation or up until now. This proves Equifax has not done an actual re-investigation and continues to report an inaccurate, unverifiable, incorrect item and therefore has violated my rights to have accurate and verifiable information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted Credit Acceptance corporation 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.

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 2020-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
Refinanced my home on XX/XX/XXXX. AmeriHome Mortgage bought the loan within a month of the refi. The closing document ( XXXX XXXX XXXX XXXX Form XXXX XX/XX/XXXX Modified ) stated that our first payment was due on XX/XX/XXXX. I paid them according to the closing documents. They maintain that I owe them for XXXX XXXX. This is not true and I called XXXX XXXX XXXX company to confirm this fact. They stated the Form XXXX is a legal binding document and since AmeriHome bought the loan they are legally responsible for adhering to its terms. In spite of me conveying this fact to them AmeriHome keeps sending me letters saying my loan is in default, I owe late fees, etc. even after I called at least 5 times talking to their customer service personnel, which they directed to do, and faxed them the closing document stating the first payment start date is XX/XX/XXXX. Their customer service personnel went as far as to acknowledge the fact that they received the document faxed and also already had the document in their files. Yet, they keep sending me these letters of default and to seek financial counseling and delinquent notices. After talking to their customer service reps I get letters of this type in the mail. It just doesn't make any sense. This frustrating, harassing and I want it to stop. My loan is current with them and I don't know what else they want. They seem to be very disorganized. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
This is update to previous submission. 

XXXX, a representative of Freedom Mortgage called to say this had been escalated to executive level. She also said I would be receiving a phone call by XXXX XX/XX/XXXXto resolve this. To date, no phone call. I have left voice messages, sent emails, and submitted secure online messages to see what happened. 

After all, the responsibility for.this situation is solely on Freedom Mortgage. If they had merely notified me of the change in payment, I could have adjusted the payment amount. After first time it was insufficient, they could have contacted me so I could correct it. Bit they never did either. 

That is why they need to correct the impact on my credit reports. 
v/r XXXX ( XXXX ) 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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Since 2012 I have been adding a fraud alert through Equifax but yesterday when I call to add a new fraud alert instead of getting the automatic system I got an agent after providing my social security number and other verification info requested the agent said that he would not be able to add my fraud alert unless I sent copies of driver license and copy of social security card according to him to proof my identity information that I had not needed to provide for 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: KY

Complaint narrative:
I made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted XXXX XXXX XXXX 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.

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 2020-08-29 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: KY

Complaint narrative:
I made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted XXXX XXXX XXXX 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: KY

Complaint narrative:
I made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted XXXX XXXX XXXX 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.

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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I was checking muy report through XXXX XXXX and I realized that my score went down 51 points. All of the accounts were removed and my mortgage was removed as well. I am very serious about my credit and I have been struggling so hard to get my credit together. I pay my bills on time. This is very annoying during this pandemic. I am having anxiety due to this. I went on back on XXXX XXXX   Saturday XX/XX/2020 and noticed that the some of the information was placed back on my report after I made the phone call to XXXX on Friday XX/XX/2020. I spoke to XXXX the customer service rep and also XXXX the supervisor which told me there was nothing that could be done and that someone sent in a letter requesting that this information be taken off. I was asked if I had any third party apps and XXXX   stated that they do not report the correct info. I said to them how is that possible. Why would they not report the right info if they are representing your company. She said we sell your nfo to them. I feel that my right s have been violated and I want something done immediately.

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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2020 I was checking muy report through XXXX XXXX and I realized that my score went down 51 points. All of the accounts were removed and my mortgage was removed as well. I am very serious about my credit and I have been struggling so hard to get my credit together. I pay my bills on time. This is very annoying during this pandemic. I am having XXXX due to this. I went on back on XXXX XXXX   Saturday XX/XX/2020 and noticed that the some of the information was placed back on my report after I made the phone call to XXXX  on Friday XX/XX/2020. I spoke to XXXX the customer service rep and also XXXX the supervisor which told me there was nothing that could be done and that someone sent in a letter requesting that this information be taken off. I was asked if I had any third party apps and XXXX   stated that they do not report the correct info. I said to them how is that possible. Why would they not report the right info if they are representing your company. She said we sell your nfo to them. I feel that my right s have been violated and I want something done immediately.

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 2020-08-29 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: MI

Complaint narrative:
On XX/XX/XXXX I have noticed that there are some erroneous information on my eport and I have contacted the 3 major bureaus regarding this information. I have been working diligently on my credit. It has been very tough during this pandemic and trying to keep up with the finances an all but I have contacted the creditors in relations to the errors that were made on my report and I have not seen a change I am requesting that all the items that are being disputed be removed immediately due to the COVID 19

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 2020-08-29 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: LA

Complaint narrative:
XXXX XXXX first reported a 30 late payment on my credit report to XXXX Equifax, and XXXX   on XX/XX/XXXX. I wrote all three credit bureaus a letter in XX/XX/XXXX stating that the statue of limitation had expired, showing them their historical data since XX/XX/XXXX, and asking them to delete the account because they're in violation of the FCRA because the account is still reporting on my credit reports which is causing me to be denied credit. Equifax, XXXX, and XXXX  allowed XXXX XXXX to re-aged the account even though their historical data shows that the first date of delinquency was XX/XX/XXXX. They allowed XXXX XXXX to report inaccurate information to their companies claiming that the first date of delinquency was in XXXX, refusing to delete the account from my credit report, stating that the account shall remain until XXXX ( 12 Years ) since the first month of delinquency. Equifax then updated the account this month which caused my credit score to drop 51 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
PORTFOLIO RECOV ASSOC # XXXX stated they sent me a letter with the opportunity to dispute this debt. I did receive any information with the opportunity to dispute the, per FCRA. I request Portfolio Recovery to prove they sent letter which provided me the opportunity to dispute. 

Therefore, please send a copy of an " CERIFIED MAIL RECIEPT '' that has my signature stating I receive the mail and had full knowledge of such debt. Anyone type up paperwork, that does not mean anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX On Line Banking through XXXX XXXX to B of A for XXXX for Mortgage payment. 
XX/XX/XXXX Verified payment was received with B of A. Not Received XX/XX/XXXX Verified again and no payment. Called B of A and CSR person advised me that no payment was received again. B of A CSR advised me that they did an update on their mortgage window and everything was in limbo. Called XXXX XXXX  to verify they made the Mortgage payment. They did and they gave me the number of the electronic transfers to B of A. 
XX/XX/XXXX Called XXXX XXXX and the bill pay CSR opened a case. 
XX/XX/XXXX Went to my local XXXX XXXX branch and they made a few calls. They assured me they were working on it. CSR at XXXX XXXX  gave me his number to keep in touch. 
XX/XX/XXXX Called my local branch CSR person and they didn't have any further details. 
XX/XX/XXXX Made 2nd payment via bill pay from XXXX XXXX to B of A for the same amount as the XXXX payment. Didn't want to incur any late charges. 
XX/XX/XXXX Checked B of A on line banking and my payment was received. However, they applied all wrong. Called B of A and advised them they corrected ti within 24-48 hours. 
XX/XX/XXXX - 27 called numerous times to B of A and finally on XX/XX/XXXX received a case number. 
XX/XX/XXXX Called for an update and CSR person said no results yet. Advised B of A that no XXXX payment would be made until the matter is resolved. 
XX/XX/XXXX Still missing my original XX/XX/XXXX payment. VERY FRUSTRATING!!!

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 2020-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: TX

Complaint narrative:
I received a collection letter from a company called Unifin , Inc. They are a third party collection agency and say that I owe a debt to XXXX XXXX XXXX from late XXXX. 

If you look at my credit bureau you will see that I have paid all of the collections that were reporting as of XXXX of XXXX. If this was a valid debt I would have paid it. It is not. When I called unifin a few minutes ago they had dates but not where the alleged debt was incurred. 

This isn't mine.

Company response to consumer: Closed with explanation