vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient is continuing to charge student loan interest. When I asked them they said that is only department of education loans. My loan originated from there and I was in default but have been out of default for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Subject : debt Request for Cancellation of CashCall Loan, as well as for this loan to be removed from all three of my credit reports and any negative information placed by Cashcall. Account : XXXX I am writing to request the cancellation of my CashCall loan, due to violation of California Assembly Bill 539 ( AB 539 ). AB 539 enacted the Fair Access to Credit Act operative XX/XX/XXXX. The Act states that for any consumer loan with a principal amount of at least { {$2500.00} } but less than { {$10000.00} }, a finance lender may not receive charges at a rate exceeding annual simple interest of 36 % per annum. My loan with CashCall has been at 135 % for the original loan amount of { {$3100.00} }. Then was placed at 79 % which still exceeds by double the legally allowed interest rate in California. An attorney directed me to this newly enacted legislation. I have made payments that far exceed the amount that can be collected at the 36 % interest rate currently in effect in California. Current State of Payments to CashCall as of XX/XX/2020, I have made 20 total payments : 7 monthly payments of { {$350.00} } 5 payments of { {$280.00} } 3 payment of { {$200.00} } 3 payments of { {$97.00} } 1 payment of ( {$500.00} ). Total of payments = { {$5400.00} } According to an email I received from XXXX XXXX, a manager at Cashcall, I still have 43 payments at {$200.00} remaining, which totals an additional amount of {$8900.00}, even though my loan was only for 47 months. Maximum legal payments according to California AB 539 : 36 % interest rate for 48 payments. My payments have satisfied the maximum legal amount that can be collected in California for this loan. I have contacted Cashcall on several occasions to ask them to bring my loan interest rate into legal compliance with California rate of 36 %. However I have been unsuccessful. I have attached my original loan of 135 %, I have also attached my current loan of 79 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NE

Complaint narrative:
My FHA Mortgage was sold from XXXX XXXX  XXXX to Rushmore Loan Management. We received a packet of information on XXXX from Rushmore Loan Management stating they will now be servicing our mortgage and it also included a list of what they plan to do with our personal information.

We never signed any agreements with Rushmore Loan Management and have been told this is not something we are able to stop them from doing. The items in question are : What personal information they collect and share ( Social Security Numbers and income, account balances and payment history, Credit history and scores ) It also states that they continue to share our information when we are even no longer a customer. 

Also it states they will give our personal information for joint marketing with other financial companies and they say we can not limit this sharing. 

We expressed verbally over the phone to their customer service that we are not ok with this and never signed any agreements allowing them to do so. I ask that the CFPB steps in and stops this action as it is fraudulent and not approved by myself or my spouse. As this is a FHA federal loan we are also filing a complaint with HUD. 

We ask for a written statement from Rushmore Loan Management stating our information is not to be sold or  shared with any of their joint marketing or any " partners ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
Allied Collection Services. XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX A notice for collection of debt. Dated XX/XX/2020. 
A total of XXXX dollars. 

Phone calls were received and a letter with debt collection notices was obtained. This is false. 

By calling the California Attourney Generals office we were instructed to send them a letter asking for true information about this debt and a cease and desist if this is false which we believe it is.

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 2020-05-12 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: AR

Complaint narrative:
I requested in writing proof of debt for XXXX XXXX XXXX. I have been in federal XXXX and they claim I owe this debt even though at the time I was in XXXX. It has been removed under different collection agencies several times. I never got a reinsertion notice nor proof of debt as per the fcra. I have multiple physical letters as well as online disputes. They offer me no proof. Ever.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted the loan companies to report credit history on all accounts along with payment history. The loan companies are all student loans not installment loans and have never been late. The companies initially made the corrections to the accounts but someone keeps going back and removing the corrected information them as they are correcting them within the reporting agency system.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: OH

Complaint narrative:
I have contacted the loan companies to report credit history on all accounts along with payment history. The loan companies are all student loans not installment loans and have never been late. The companies initially made the corrections to the accounts but someone keeps going back and removing the corrected information them as they are correcting them within the reporting agency system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TX

Complaint narrative:
My report shows a credit inquiry from XXXX XXXX XXXX on XX/XX/2019. No credit inquiry was authorized. This item is either a fraud attempt or an error. Please remove this item as was requested earlier.

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 2020-05-12 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: TX

Complaint narrative:
My report shows a credit inquiry from XXXX XXXX XXXX on XX/XX/2019. No credit inquiry was authorized. This item is either a fraud attempt or an error. Please remove this item as was requested earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: FL

Complaint narrative:
This complaint is about inaccurate payment counts for Public Service Student Loan Forgiveness. My payment count remains inaccurate after requesting and receiving a recount by FedLoan. My loan was consolidated in XXXX, enrollment status effective XX/XX/XXXX. I worked with XXXX  advisor to consolidate following this. Loans were originally serviced by XXXX XXXX before transfer to Fed Loan. Throughout repayment, I have always been in the IBR plan. I have had only 2 employers and I have certified both as eligible employment from XX/XX/XXXX-XX/XX/XXXX via submission/approval of ECF forms. I have always been enrolled in autodraft for my payments. Despite this, my counts are wrong. I asked for a recount in XXXX and, while they did increase the count, I believe it was still off by 19 or 20 payments. Now, as of my XX/XX/XXXX recert, I believe my count is still off by 12 or 13 payments. The source of error may be that Fed Loan is not applying the {$0.00} payments which I made during my first year of repayment, despite this being the amount due under my income based plan and despite being enrolled in AutoPay. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/2020, XXXX charged my Capital One Credit Card, for things I did not approve of. The total charges were around XXXX dollars. I disputed them with Capital One, but now Capital One is claiming I did not provide them with any information. I have sent them letters. I have sent them e-mails and I have spoken to representatives on the phone. Most of my correspondence was ignored so I submitted a complaint to XXXX. The Capital One reps I did speak with told me XXXX  claimed I told them the account was fraudulent, which is NOT what I told XXXX. I told XXXX  there were fraudulent charges on the account. Now Capital One is claiming I am responsible for the fraudulent XXXX   charges. I have been a loyal CO customer for years. This needs to be fixed, ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am unable to pull my Transunion credit report or FICO score and have never been able to access it. When trying to create an account, I get a notice from Transunion saying that they are unable to confirm my identity. I have called three times only to be told that this issue is my bank 's fault and that it is due to how they are reporting my information. This is false because I have two credit cards from two different banks ( XXXX and XXXX  ) and two student loans from two different agencies. When I called them and asked, I was told they have no information for anyone with my name, social security, and address. 

I am able to pull my credit report from XXXX  and XXXX, indicating that my information is being reported correctly by my banking institutions. For some reason, my information got lost at Transunion and they are refusing to help me. I have tried opening an investigation through one of my banks, which came up inconclusive on their end.

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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: KY

Complaint narrative:
I received notice from my Credit Bureau monitoring that a new Collections account was placed on my report on XX/XX/XXXX. Upon investigation I discovered a Helvey and Associates Collection for XXXX XXXX for {$240.00}. I contacted Helvey and Associates on Tuesday, XX/XX/XXXX and was advised that unless I provide a notarized FTC Identity Theft Report and Police Report they would not assist me in removing the debt. 1. My state is currently under stay at home orders due to COVID-19. So Helvey and Associates is requiring me to risk my health by going to both an office store to print the Id Theft Report, get the notary signature and obtain a police report. 2. Notaries cost money. So Helvey and Associates are requiring me to incur cost to resolve a matter of identity theft. 3. I am in the process of working with a mortgage broker to purchase a new home and Helvey & Associates is causing me harm by delaying the process with thier ridiculous request to jump through hoops to resolve a theft of my identity that is clearly represented as such within their own internal records. The analyst I spoke with at Helvey and Associates informed me that the address of the account was in XXXX, OH. I have never lived in Ohio and I have been a customer of XXXX XXXX XXXX for more than 10 years. A simple internal investigation will reveal this information to be true. I should not have to jump through hoops risking my health and incurring costs at my own expense to resolve a {$240.00} theft of my identity. I had more than {$3000.00} worth of fraudulent credit cards and XXXX XXXX accounts opened in my name in XX/XX/XXXX and i was able to resolve all of them without all this needless running around the Helvey and Associates is requiring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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:
Experian credit bureau XXXX XXXX account ending in # XXXX Late payments being 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 2020-05-12 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: FL

Complaint narrative:
I contacted experian credit services due to the reporting of a XXXX XXXX   bankcard on my credit report. This account with XXXX XXXX is fraudulent, I filed a identity theft report and forwarded it to both experian and XXXX XXXX bankcard. When XXXX XXXX contacted me they narrated that for the reason they sent this credit card to an old address I had in the past, I have to pay the balance on the card even if I didn't live there at the time or for many years.This company XXXX XXXX is fraudulent and does not care who they harm or who they ripoff.Experian continues to report this fraudulent account so they can collect monies from this fraudulent company.Experian is not protecting me the consumer that am an identity theft victim.Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2020-05-12 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: IL

Complaint narrative:
XXXX has reported a {$280.00} debt on my Transunion credit report. I havent done any business with this company. I dont know who this company is. 
Please delete this off of my credit report 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 2020-05-12 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: Credit Solutions
State: FL

Complaint narrative:
have received repeated phone calls from XXXX XXXX for Credit Solutions, XXXX of Kentucky requesting I call them to give information about some debit. I have talked to some one at this company twice at XXXX. Initially when I called about 2-3 weeks ago ( unfortunately I did not record the date ), the man I talked with didn't even have my phone number recorded. According to him, the company was not looking for a " XXXX XXXX '' in XXXX, Fl. .It was supposed to be resolved than. Tuesday, I again, received another call and called back, once again, getting a man who was going to resolve.this issue. I told him the next phone call would either be to this agency or my attorney. Today, XX/XX/ between XXXX and XXXX I received another call. I do not owe any debts to anyone. My concern is that I will have some of my accounts could be garnished. I would appreciate any help that you could give me

Company response to consumer: Untimely response
Consumer complaint received 2020-05-12 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I was attempting to remove a security freeze from my account at experian. For an unknown reason the website would not let me validate my information and remove the freeze. The site directs me to use postal mail to remove the freeze. I do not have access to postal mail that will arrive in a reasonable amount of time, as I am a servicemember XXXX overseas. The phone numbers for experian available on their website all result in electronic prompts that dead-end into a hang-up without being able to reach a person during business hours.

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 2020-05-12 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:
ACCT XXXX # XXXX LATE TRADELINE MARKS. REMOVE THEM ALL " NEVER LATE ''

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