vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 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: MO

Complaint narrative:
I am a current victim of identity theft, Transunion, XXXX, and XXXX continue to report fraudulent activity on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX. FTC has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.

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 2019-10-08 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: CA

Complaint narrative:
XXXX XXXX  ACCOUNT XXXX XXXX HAS RECEIVED A PYMENT FROM ME ON THE BALANCE THAT THEY CLAIMED WAS PAST DUE. CHECK WAS CLEARED ON XX/XX/2019 BUT XXXXXXXX XXXX STILL REPORTED IT AS PAST DUE FOR XXXX, XXXX, XXXX AND NOW XXXX THIS IS DAMANGING MY CREDIT EVERY MONTH ESPECIALLY WHEN I RESOLVED THE BALNACE AND THEY AGREED TO ACCEPT PAYMENT IN LIEU OF DELETION. BUT PAYMENT WAS NOT POSTED AND ACCOUNT WAS NOT DELETED FROM THE REPORT, WHY? ISN'T THIS A VIOLATION OF MY RIGHTS UNDER CFPB? I'M PREPARING MY COMPLAINT TO FTC AND ATTORNEY GENERALS OFFICE AS THIS IS UNACCEPTABLE ... IGNORANGE FROM XXXXXXXX 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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The company in question is : XXXX, XXXX, XXXX XXXX XXXX, XXXX . XXXX, XXXX, SC XXXX. 
I filed a complaint with the XXXX XXXX XXXX to no resolve. They recommended I pursue this avenue for a possible resolution. 
I have drafted a letter to your office and I need to attach for your review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm a victim of the international wire transfer fraud. I wired the money out to 2 different countries on XX/XX/2019, amount of XXXX Euro to XXXX, and XX/XX/2019, XXXX Euro to XXXX. 
I wasn't aware these were scams until I found out later. I think before the money going out, Citibank should thoroughly to check the credibility of these 2 banks in XXXX and XXXX and the recipients.

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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2019 we received an email from XXXX XXXX that a debt was allegedly owed. On XX/XX/2019 XXXX XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 XXXX XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 XXXX XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 XXXX XXXX Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :

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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2019 we received an email from XXXX XXXX that a debt was allegedly owed. On XX/XX/2019 XXXX XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 XXXX XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 XXXX XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 XXXX XXXX Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2019 we received an email from XXXX XXXX that a debt was allegedly owed. On XX/XX/2019 XXXX XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 XXXX XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 XXXX XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 XXXX XXXX Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :

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 2019-10-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I made a payment to National Credit Systems , Inc on the XXXX of XXXX, 2019 and as of today the XXXX of XXXX, 2019 I have not received any notification for the payment of {$150.00} made, neither they did not notify XXXX XXXX apartment about the payment made and this is affecting me negatively to get a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX fraud department contacted me claiming UNUSUAL and Unauthorized activity on two XXXX XXXX credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of XXXX claims. But These cards are being reported by XXXX to my credit report. XXXX also believes this account was not opened by me. Therefore, XXXX by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by XXXX representatives and their fraud department to confirm my dispute. 
1. XXXX XXXX Credit Card ending in XXXX 2. XXXX XXXX ending in 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 2019-10-08 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: MI

Complaint narrative:
XXXX XXXX fraud department contacted me claiming UNUSUAL and Unauthorized activity on two XXXX XXXX credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of XXXX claims. But These cards are being reported by XXXX to my credit report. XXXX also believes this account was not opened by me. Therefore, XXXX by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by XXXX   representatives and their fraud department to confirm my dispute.

1. XXXX XXXX Credit Card ending in XXXX 2. XXXX XXXX ending in 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 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I receive solicitations in the mail from Tower Loan. I have been to the office in XXXX, MO to request that these are no longer send to me. I've called the business directly and made a request to not send me solicitations. Every time I speak with somebody they promise to remove my information but that ultimately doesn't happen. I've added my information to the FTC 's database for out-out indeterminately in the pre-screened credit offers. 
https : //www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers I  consider these letters I receive in the mail as spam and given the multiple requests to cancel them, harassment. This portrays a company as deceitful and showing no respect for their consumers. I no longer wish to ever do business with this company ever again based on their actions

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 2019-10-08 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: AZ

Complaint narrative:
I would like to file a complaint with Transunion LLC, XXXX, and XXXX credit burues. I have sent them now the 5th dispute letter today XX/XX/19 notarized, dated, all information provided for the inaccuracies still showing on my credit report. I've submitted disputes nearly every month since the beginning of 2019 - and still no prevail on some accounts. I've requested ( with proof and documentation of this ) proof of accounts that claim to be mine, to be PROVEN with physical documentation/signatures/proof that these derogatory inaccurate accounts are in fact mine. They have failed to do so. I have also called them today XX/XX/XXXX in three separate attempts to speak to a rep who can help me with removing hard inquiries that are inaccurately being reported to my credit report and hindering me from being able to apply for a loan so me and my family can move into a new home. I politely asked each representative on the phone if they can assist with removing the derogatory or the hard inquiries that are inaccurate, and was advised to contact each company and they could not assist. I know this is false, and they can assist, but choose not to. I advised I have attempted several times previously to calling that I tried to dispute with the actual agencies reporting the false/innaccurate hard inquiries - but they told me the only way to remove them is to have the companies send me a letter. I again, advised them I've tried this and was hung up on all 3 separate times. I can't believe a company like this is still around allowing companies to report false information on my credit, which is now causing me to not be able to move into the home of me and my families dreams due to them not wanting to help after I HAVE FOLLOWED ALL THE RULES AND HAVE PROOF OF ALL MY LETTERS SENT TO THE CREDIT BURUES AND COMPANIES. I did confirm they have received my letters via certified mail. I have tried to be nice, but now this is getting out of hand, and simply demand all false inaccurate hard inquiries that are NOT open accounts be removed, and the REMAINING false/derogatory accounts I've previously disputed 5 times now to be 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 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
The company, SBCS, is repeatedly calling, and they finally said it was for a credit card debt from 2011. I told them it was past the statute of limitations, but they insisted they still had the right to call. The amount is {$570.00}. Their # 's are XXXX and XXXX. I have blocked both numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nextep Funding LLP
State: TX

Complaint narrative:
I have reached out to the company on multiple occasions for the past year, and I have been ignored and made felt to be a liar. I have provided them with proof that this account is not mine, and they still have not take any action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Data Finance, LLC
State: AL

Complaint narrative:
Apparently this company called XXXX XXXX XXXX claims to collecting on behalf of XXXX. Their call from a Ms XXXX XXXX who claims to represent the lawyers have been persistent during working hours. I tried to negotiate but they would not provide documentation. After that she called my work place several times Tuesday XX/XX/2019 and Wednesday XX/XX/2019 and left voicemails threatening to contact payroll dept. 
I am in the process of contacting them to indicate when and where they can call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: MO

Complaint narrative:
I am a current victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FTC has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.

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 2019-10-08 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: MO

Complaint narrative:
I am a current victim of identity theft, XXXX, Equifax, and XXXX   continue to report fraudulent activity on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. FTC has been filed in XXXX of 2019, they did not comply within the 5-7 business days according to federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
2nd try - Rushmore LM does not know how to properly service negative amortization loans.

I am only allowed to pay the minimum payment on line - not even the statement shows the negative amortization payment amount.

I have to call and spend 30 to 45 minutes with them every month to make my payment because they are not equipped to handle the payment online or by mail.

Companies like this should not be allowed to handle loans they are not suited for.

I understand the loans can be moved however it should be mandated that the new company knows how to service the type of loan the consumer has.

Rushmore LM does not allow me to execute the options of my negative amortization loan. They only allow the minimum payment. This is NOT acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: AZ

Complaint narrative:
As you can see from these emails, they are almost 1 year old. After this mix up from the sender, I received a large bill for storage fees. This bill went to XXXX as it was solely their responsibility. They admitted and accepted the bill. 
Now, after 1 year, out of nowhere I have been sent to collection for {$790.00} from XX/XX/2018. XXXX. Account XXXX Ref XXXX I  received no notification, no warning, zero explanation. I merely accepted some sample wine as a gift. I not pay for merchandise. I had no business invested in this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I am having issues with my billing statement. I am behind every billing period because for misc. and late fees that was acquired during an incident in XXXX of 2018 with Nissan Motor Acceptance Corp. I was late with a balance owed of {$2400.00} I was going through job loss and needed time to adjust the balance. which I let them know that. I was still making my monthly payments even though I was behind. This lasted two months, but on the third month I was one day away from making my payment with the intentions of paying both due and past amount to get caught up and my car was repossessed. Such a let down for me because I really worked hard to bounce back. Afterwards I wanted to pay off the full balance and they would not accept my visa payment and forced me to catch a bus to XXXX XXXX to pay for the balance. I politely explained this situation with them and asked for understanding. They tacked on {$540.00} tow fee on my statement. Since then i have been current except I refuseed to pay this fee which makes me late every month. I have tried to work with them even escalated to consumer affairs. And nothing has been done for me, a honest hard working customer. I have {$100.00} in late fees now and growing. On top of paying over 11 % in interest from the actual company im financing with this should not have been a problem for them. Please help. I also do not know why my payments have different amounts applied to interest and my principal. Please view the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: AZ

Complaint narrative:
I would like to file a complaint with XXXX XXXX, XXXX, and Equifax credit burues. I have sent them now the 5th dispute letter todayXX/XX/19 notarized, dated, all information provided for the inaccuracies still showing on my credit report. I've submitted disputes nearly every month since the beginning of 2019 - and still no prevail on some accounts. I've requested ( with proof and documentation of this ) proof of accounts that claim to be mine, to be PROVEN with physical documentation/signatures/proof that these derogatory inaccurate accounts are in fact mine. They have failed to do so. I have also called them today XXXX19 in three separate attempts to speak to a rep who can help me with removing hard inquiries that are inaccurately being reported to my credit report and hindering me from being able to apply for a loan so me and my family can move into a new home. I politely asked each representative on the phone if they can assist with removing the derogatory or the hard inquiries that are inaccurate, and was advised to contact each company and they could not assist. I know this is false, and they can assist, but choose not to. I advised I have attempted several times previously to calling that I tried to dispute with the actual agencies reporting the false/innaccurate hard inquiries - but they told me the only way to remove them is to have the companies send me a letter. I again, advised them I've tried this and was hung up on all 3 separate times. I can't believe a company like this is still around allowing companies to report false information on my credit, which is now causing me to not be able to move into the home of me and my families dreams due to them not wanting to help after I HAVE FOLLOWED ALL THE RULES AND HAVE PROOF OF ALL MY LETTERS SENT TO THE CREDIT BURUES AND COMPANIES. I did confirm they have received my letters via certified mail. I have tried to be nice, but now this is getting out of hand, and simply demand all false inaccurate hard inquiries that are NOT open accounts be removed, and the REMAINING false/derogatory accounts I've previously disputed 5 times now to be removed.

Company response to consumer: Closed with explanation