vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-23 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 — Investigation took more than 30 days
Company: KEYCORP
State: NY

Complaint narrative:
Original loan was with XXXX XXXX. A few months into payments I was sent an offer by XXXX XXXX to skip a payment and add it to the end of the loan. I signed the documentation sent via mail and sent it back. All was well until Key Bank assumed loan. During that transition, Key Bank informed me that my loan was 30 days behind. I explained to them that under the offer and terms I agreed to with XXXX  XXXX, I was on time and I accepted the skip a payment offer. Key Bank could not verify this as they could not access their system. I called numerous times over a 3 month period and spoke with several folks at Key Bank. They could not figure it out and they took weeks to investigate all the while they were reporting me as being 30 days late for months. I explained to them that as an example there have been 18 payments due since loan origination and I have made 18 payments. They could not figure it out and they continued to tell me they had no access to XXXX XXXX computer systems to verify. How can this be if they assumed the loan? Key Bank tried to fix the issue by applying the skip a payment to the end of my loan however they continued to negatively report to the three bureaus and never reversed the 30 day late payments. I also made additional payments but problem has not gone away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: PA

Complaint narrative:
Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.

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 2017-09-23 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: PA

Complaint narrative:
Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: PA

Complaint narrative:
Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.

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 2017-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I had a loan with Toyota Financial Services ( TFS ) for a XXXX XXXX. I set up auto deduction for {$400.00} at the beginning of the loan. Every payment was posted on time. At the end of the loan I had a {$310.00} balance right before my XXXX XXXX payment was due. On XX/XX/XXXX Toyota Financial Services ( TFS ) deducted the same {$400.00} amount. I contacted them and I was told that since I authorized {$400.00} they pull {$400.00} no matter what the balance. I was also told that on XX/XX/XXXX a  refund check was cut. As of today, XX/XX/XXXX, I do not have that check. By the time I receive this money, deposit it and the check clears my bank it will be at least 7 calendar days. That is 7 days of " float '' on my money that I will not be getting. Now, that amount is very small until you sum up all of the customers that they have done this to this year. Then it becomes a large 0 % loan on the backs of the consumer. I believe that is unethical. I believe you have the power to force them to deduct the regular monthly payment or the payoff balance each month whichever is lesser. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: FL

Complaint narrative:
This collection agency has entered a negative account on my credit report with all three bureaus. The address listed on my credit report for this agency does not match the licensing information on file with The Florida XXXX XXXX XXXX XXXX. This agency is in violation of Florida Statute 559.547 which states " 559.547 Void registration. ( 1 ) Any registration made under this part by any person or commercial collection agency based upon the presentation by such person or collection agency of false identification or information, or identification not current with respect to name, address, and business location, or any other fact material to such registration shall be void. '' As such, their authority to collect in Florida is void, and this agency is illegally pursuing collection activity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC
State: ID

Complaint narrative:
Received a letter, sent XXXX/XXXX/XXXX, attempting to collect a debt for {$2500.00} with the original creditor XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX and they have no record of me ever owing that amount or sending me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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 — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been trying to get Ocwen to remove late payment history from my account for about 3 years. They accused me of missing a payment, which I had n't. It started in approximately XXXX of 2013. I was accused of missing a payment, which I had n't. After they said I missed the payment, I started accruing late payment fees, etc. I was on a fixed income so it was impossible for me to give them 2 payments, so I disputed with documentation, and then they would n't accept the money unless I gave them additional fees, which continued to keep me in arrears.

They never resolved the issue with me personally, however, there was a class action settlement in which I received a payout of a about {$1000.00} due to payment history errors. While I received the monetary payment, they have not yet corrected the information on my credit report.

When I 'd have a phone meeting to talk to a account manager they would cancel, reschedule or something last minute.

They finally approved a modification for me but never reconciled the past due payments that wrongly reported. They show 32 lates because the one payment continued to appear in arrears every month. That is incorrect. I would like to have that history removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that ACCOUNT RESOLUTION SERVI # XXXXhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees.
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ACCOUNT RESOLUTION SERVICES to access my personal medical information from or to a third party. I demand they produce a valid copy or original copy of my signature for my review. I dont remember every having done any business with this company.

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 2017-09-23 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: MA

Complaint narrative:
Hello, Since the time the Equifax data breach was made public, I have been trying to place a security freeze on my Credit Report. The automated system is unable to locate my file. The website does no good either, redirecting me to a page that says the service is unavailable or again, we need more information. I called the Equifax hotline and spoke with a CSR, but only to be told that they can not help me if the website and the automated system can not help. I tried again, this time, the floor manager gruffly read out what is on the website and hung up. I do not want to send my details in mail and wait for an eon before my request is processed by them. This is a gross mishandling of the breach and in this year of 2017 I am ashamed to interact with such a company who is doing nothing to help the people who are suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX and Nationstar Mortgage has been conspiring to coerce me to pay a debt that 's not mine. Initially, XXXX XXXX XXXX advised the CFPB the debt was reinstated after their agent filed a Notice of Rescission. Now, XXXX XXXX XXXX has stated the Notice of Rescission is invalid and ineffective. Therefore, Nationstar has no debt to collect that XXXX XXXX XXXX allegedly assigned. However, Nationstar Mortgage is still reporting this alleged debt on my credit reports adversely without any substantiation and refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: AES/PHEAA
State: TX

Complaint narrative:
In XX/XX/XXXX I started to attend XXXX XXXX in XXXX XXXX. I completed a 2 year program. They charged a very high tuition for those two years. Also every government dispersment of money went all to them. I never saw a penny. I never got a job that I could pay those loans back either. 

I have 2 loans from that school. 
Direct Sub Consolidation Loan Deferment {$12000.00} Direct Unsub Consolidation Ln Deferment {$16000.00} ( XX/XX/XXXX) They are in Deferment because I paid XXXX lump sum. so to do that so I could help my credit and go back to school in XX/XX/XXXX. 

Now I am attending XXXX XXXX XXXX at XXXX XXXX. I took out loans but they will total less than half of what I paid at XXXX XXXX and I will pay them back as I this school has already benefited me financially. Also the caliber of education at XXXX vs XXXX XXXX is a lot different. 

I feel that I should have to pay something for going to XXXX XXXX but definitely not whats left. I was young ( and poor ) and had no idea that XXXX XXXX was preying on peoples hopes just so XXXX could get Federal money. 

For profit schools are very bad for students it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I am in the process of trying to buy a home. I had received an eviction letter from where i am currently renting so i reached out to American Express to see if it was possible to discuss payment options. I was advised by the representative that they would push my payment date back by 14 days and it would not report late on my credit report as long as i had paid it by the XXXX. It had reported late before the XXXX of this month. I reached out to American Express quite a few times on trying to get this resolved. I was provided 2 different numbers. The representatives mention they are going to try to help and the following numbers provided to me was a Credit Bureau Unit team - XXXX and the other number i think is customer service but it was XXXX. When i would call i was told that group could not assist me and to call the other number. I was getting bounced back and forth. I tried chatting online a few times about it as well and via social media but was advised to call those numbers. I did pay both of my cards in full before the XXXX which was the date that was advised by a rep i had chatted with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America and XXXX XXXX has been conspiring to coerce me to pay a debt that 's not mine. Initially, Bank of America advised the CFPB the debt was reinstated after their agent filed a Notice of Rescission. Now, Bank of America has stated the Notice of Rescission is invalid and ineffective. Therefore, XXXX has no debt to collect that Bank of America allegedly assigned. However, XXXX XXXX is still reporting this alleged debt on my credit reports adversely without any substantiation and refuse to remove 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 2017-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
I took out a personal loan with XXXX XXXX in XXXX in the amount of {$10000.00} at 18 % interest rate after losing my job. Since then, I 've repaid the loan in an excess of {$25000.00} and they 're still saying that I owe {$9500.00}. They refuse to renegotiate the loan and it has since been sold/transferred the loan to another company called OneMain Financial. I 've made my payment consistently for over 10 years and now they 're saying that I 'm behind in my payments. They 're destroying my credit in the process. What can I do to solve this never ending mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to get XXXX to remove late payment history from my account for about 3 years. They accused me of missing a payment, which I had n't. It started in approximately XXXX of XXXX. I was accused of missing a payment, which I had n't. After they said I missed the payment, I started accruing late payment fees, etc. I was on a fixed income so it was impossible for me to give them XXXX payments, so I disputed with documentation, and then they would n't accept the money unless I gave them additional fees, which continued to keep me in arrears. 
They never resolved the issue with me personally, however, there was a class action settlement in which I received a payout of a about {$1000.00} due to payment history errors. While I received the monetary payment, they have not yet corrected the information on my credit report. 
When I 'd have a phone meeting to talk to a account manager they would cancel, reschedule or something last minute. 
They finally approved a modification for me but never reconciled the past due payments that wrongly reported. They show XXXX lates because the XXXX payment continued to appear in arrears every month. That is incorrect. I would like to have that history removed.

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 2017-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have a collection account listed on my credit reports by a debt collection agency, NCC BUSINESS SERVICES, collecting on behalf of XXXX XXXX. NCC BUSINESS SERVICES is not licensed to collect in the state of Florida and therefore I am disputing this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a dispute listing 3 inaccurate items on my credit report. After receiving a notice that the 3 inaccurate items were verified I mailed a letter via certified mail article # XXXX XXXX XXXX XXXX XXXX requesting the method of verification regarding the 3 items that were verified. the Fair Credit Reporting Act 611 ( a ) ( 7 ) WHICH ENTITLES ME TO THE EXACT PROCEDURE USED TO VERIFY THE INFORMATION, ALONG WITH THE BUSINESS NAME AND ADDRESS AND NAME OF THE PERSON THAT EQUIFAX SPOKE TO WITHIN 15 DAYS. Equifax failed to provide any information at all. 
Equifax failed to provide any response to my Method of Verification request. 
Due to Equifax committing this violation of federal law, I am entitled to a minimum of {$1000.00} for this violation. I also believe Equifax is in violation of FCRA 616 for willful non compliance as well.
I want the method of verification as requested and a {$1000.00} Cashiers Check or Money Order.
If the method of verification is not provided, I would expect my {$1000.00} payment and all 3 inaccurate removed from my credit report immediately. 
The confirmation # XXXX stated that the inaccurate items were verified. 
I sent the method of verification via certified mail # XXXX XXXX XXXX XXXX XXXX and it was received by XXXX XXXX XXXX on XXXX XXXX,XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-23 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: PA

Complaint narrative:
Transunion is saying I have had 3 addresses. I have ONLY ever had XXXX XXXX XXXX, XXXX PA XXXX I am going to contact the post office right now too! 
Address Date Reported XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/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 2017-09-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: SC

Complaint narrative:
Prime Lending, as well as other lenders in XXXX SC, openly violate RESPA and " provide things of value '' for referrals. The attached showed up in my XXXX feed. Pitiful.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: VA

Complaint narrative:
The so called Franklin collection svcs never got any consent neither a court order from a judge to put a derigatory acct on my credit report with XXXX and XXXX. They had no consent to the account they opened themselves and I disputed the illegal account with XXXX and they go ahead an report it at a different day. This is a fraudlant business who never got a consent neither a judge ordered that account to open on my credit that I worked 11 years on making it great with 100 % payment on time. I do n't owe anything and I did n't ignored or missed any pmt. I demand from this company to stop retaliation and harassing me and go find something legal to do. This company is disease and needed to be stopped. I urge our officials who read this to make an end to the so called Franklin Collection SV SOMETIMES THEY USE SERVICES AND THAT WAS JUST SHOWING THEIR GREED TO RUIN EDUCATED PEOPLE 's financial record no I Wo n't. I will demand compensation for damages and sue this company if it does n't stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
CENTRAL FINACIAL CONTROL SHOW ON MY CREDIT REPORT, I 'VE NEVER HAD A RELATASHIP WITH THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation