vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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:
Fraudulent account XXXX XXXX  XXXX XXXX open XX/XX/XXXX Amount 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 2019-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I purchased a car in 2008. My grandmother was making payments on the car while I was in college and young. She fell ill and stopped making payments in which I was unaware. The car was involved in an accident and when the bank tried to repossess the car it was in the shop. I told them where and assumed they picked the car up from the mechanic and that was the last I heard for years. I assumed the car was taken and sold. Five years later I opened my check to discover someone had taken half of what I made. It was the first time I was ever aware I was being sued for anything. I was not in a position to fight them, I was a single mother trying to make ends meet and could not afford an attorney. I made an agreement to pay them. A debt in which I thought was the total for the car. Unfortunately five years later I am still making payments. I am desperately trying to purchase a home for my daughter and I to live in. I offered to settle with them last year. I offered them XXXX XXXX dollars which was roughly 50 % of what was left. I had already paid them XXXX XXXX so I assumed that was fair. They declined my offer and continued to track me down and demand more money every time I turned around. I am still making monthly payments to them and would truly just love to be able to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
There was a balance transfer on my statement on the folowing 2 dates ;  XX/XX/2017 = {$5000.00} XX/XX/2017 = {$2500.00} I have requested on numerous occasions proof that I/we gad requested these Transfers to no avail. American Express could not produce a copy of the checks. AX sent out this account for collections! 

Account # XXXX & XXXX AX also would not turn this matter over to their Fraud Department?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: PA

Complaint narrative:
Fraudulent account XXXX XXXX  open XXXX-15 Amount XXXX Fraudulent account XXXX XXXX open XXXX-15 Amount 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 2019-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I signed a parent plus loan with Sallie Mae than next thing I knew that it was sold to Navient. The payments were set at XXXX dollars a month than they kept having me defer it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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:
Fraudulent account XXXX XXXX open XXXX Amount XXXX Fraudulent account XXXX XXXX open XXXX Amount 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 2019-05-16 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:
Fraudulent account XXXX XXXX open XX/XX/XXXX Amount 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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In reviewing my credit report I have determine there has been 3 hard inquiries placed from the same company, a company I have never done business with. I have disputed this with the company and the credit bureau but no changes have been made. 

Company XXXX XXXX XXXX  a hard inquiry was done on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Company : XXXX XXXX, a hard inquiry was done XX/XX/XXXX and 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 explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My wife and I purchased a XXXX XXXX from XXXX in XXXX XXXX TN on XX/XX/2018. We signed for a credit inquiry, and eventually accepted financing from XXXX XXXX. Several weeks later, we noticed a substantial drop in both our credit scores. As part of the loan process, there were 8 hard inquiries on each of our credit histories. The dealership did not disclose their intent to make multiple inquiries, and we would not have authorized that many. We only ended up taking a single loan from XXXX XXXX. One auto loan should not result in 16 hard inquiries, and that much damage to two peoples ' credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
Student loans were included in bankruptcy payments, All bankruptcy payments have been paid off on time. Bankruptcy payment were complete XXXX of XXXX, Navient started showing up on my credit report in XXXX of XXXX with something called " repurchased '' and Navient says I still owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: PA

Complaint narrative:
Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount XXXX  Fraudulent account XXXX XXXX open XX/XX/XXXX Amount 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 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian I contacted this alleged company early this years and this alleged account was found not mine you Experian removed this alleged account I see again it is being reported again I never got a five day resertion letter from you { by law } this is not my account again please remove account from my credit report thank you

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 2019-05-16 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:
Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount XXXX

Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount 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 2019-05-16 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: ID

Complaint narrative:
In XX/XX/XXXX I graduated from XXXX XXXX. 

In XX/XX/XXXX I took a permanent job with the XXXX of the XXXX, XXXX XXXX XXXX XXXX. 

In XXXX XXXX I consolidated my federal loans, entered into a income-based repayment plan, and enrolled in the Public Service Loan Forgiveness program. 

I have stayed permanently employed with the XXXX of the XXXX ever since and am still employed at XXXX. 

Every year I submit my employer certification, my taxes, and my income-based repayment plan recalculation. 

I have taken 15 months of deferments since XXXX. That means I have made 89 payments ( of my 120 payments ) since enrolling in the PSLF program. 

My loan has been sold a couple of times and FedLoan Servicing took it over in about XX/XX/XXXX. FedLoan Servicing now says that I have only made 68 qualifying payments and they do not have a record of payments made prior to XX/XX/XXXX. They are conducting an audit but told me they could not say when it would be completed and it may take 6 months or longer. My bank says that the only way they can pull bank statements that far back is if I pay a fee of {$35.00} per hour of research and {$5.00} per bank statement and that the research may be extensive because the records are on microfiche. 

I believe that FedLoan Servicing is not counting the qualifying payments I made between XXXX and XXXX and are shorting me by about 21 payments ( over {$10000.00} ) and that this will incorrectly extend my PSLF repayment period and may interfere with the ultimate forgiveness of my loans. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: OK

Complaint narrative:
My XX/XX/2019 mortgage payment had returned NSF and then paid in XX/XX/XXXX. I then made my XX/XX/2019 payment online, but then Mortgage Solutions called asking for my XX/XX/2019 payment. So I went back online and made the payment again thinking it didn't work the first time, but it did so the second payment I made NSF. Which caused me to have two NSFs, therefore I have to mail in my payment until XX/XX/2019, I was told. I mailed my XX/XX/2019 payment to the address on the payment coupon certified mailed. They said they never received it, so I went to the post office and got a copy of the receipt signed that they did received it. I gave them that information, but they continued to call me about it. So I asked how I could send the information, one option was to email it to " XXXX '' and so I did. I have uploaded a copy of the email response being undeliverable to this email. And I have also included a copy of the payment coupon with the address that I sent my payment to that they say they didn't receive. And a copy of the money order stub and certified letter receipt for both XX/XX/XXXX and XX/XX/XXXX.

They told me to send the payments to the corporate office. So I send XX/XX/XXXX 's payment to the corporate office address. I find it strange that I couldn't find a customer service phone number on line for this company and that even though I mailed my payment to the address on the payment coupon they provided, my payment didn't make it to them. And also that they provided me with an email address that isn't valid. Now I find that they have reported on the credit bureau that I missed a payment. I just called them but they were not opened yet, but the automotive system says that my next due is XX/XX/2019, which is correct. 
Now I just need them to remove the late and/or missed payment from the credit bureau reporting systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KY

Complaint narrative:
Jefferson Capital System is reporting a debt that was involved in identity theft and fraud under my name. Im not aware of any such debt. As I never received any correspondence by this debt collector. Instead they reported this debt to the credit report agencies. Im requesting under an original contract and an actual signature that shows 100 % verifiable proof under the FCRA with 100 % accuracy that they have the LEGAL right to report this debt. If they are not able to provide 100 % verifiable proof and accuracy with my actual signature and a contract agreement the reporting should effectively be removed immediately from all credit reporting agencies promptly. Further reporting will result in me seeking legal remedy for violating my rights in the statues governed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX I signed up with global Client Solutions to pay down my debt. On XX/XX/XXXX they debited out {$690.00} from my checking account. Global Client Solutions continued to charge me {$690.00} in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on are approximately on the XXXX day of each month. Global Client Solutions promised to assist in paying down debt. As of today no debt was paid down by global Client Solutions. On XX/XX/XXXX I asked Global Client Solutions to close my account and refund me the money. Global Client Solutions sent me a check for {$1800.00}. I assume that the rest of the money is being held as fees. They did not pay down any of my debt and I believe they are fraudulent. Global client solutions claimed to have paid {$290.00} to XXXX credit card and assessed the rest in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: NV

Complaint narrative:
My name is wrong have 5 name I have 4 address one is a business building only 2 correct address are on there

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 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY

Complaint narrative:
I have received a lawsuit and a threat to garnishee my wages. I have not heard of this company. I have had no idea who these guys are. None of my records from my credit report match the amount shown on the paperwork I have received. I attempted to contact the lawyer they took my case to and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Seterus has been padding my escrow account & illegally adding thousands to my mortgage. Unbeknown to me until the last couple of years I had been paying their legal fees & other unwarranted fees since XX/XX/XXXX. The bank servicer has been changed to Mr. Cooper this year & they are continuing Seterus theft. I'm sending an amortization print out with what should be balance of an overly inflated mortgage amount. My mortgage amount in XX/XX/XXXX was XXXX until they started their fictional foreclosure. I've reported this to many agencies who do nothing except tell me to get a lawyer. Unfortunately there is no such thing as pro bono & I'm a senior citizen with very limited funds & health issues. Maybe you'll be able to do what you advertise & actually straighten this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: PA

Complaint narrative:
In XX/XX/2019 I instructed rep from company by phone conversation to cancel scheduled automatic payment withdrawal for XX/XX/2019 from my checking account. The rep said she would do that and added that my automatic payments were turned off. I told the rep I would call back with date for withdrawal of payment. 
On XX/XX/2019 Lending Club withdrew from my account two payments totaling XXXX causing my account to go negative and adding bank fees for other overdrafts caused by this. 

Note : the company records all conversations but refused to play conversation to me when I complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: GA

Complaint narrative:
XXXX & XXXX XXXX Reported : XX/XX/XXXX{$6500.00} There is no contract, no valid claim ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
I have health care coverage with XXXX. I was sent a bill because my employer had failed to update my summer health coverage. They paid the bill with XXXX directly in the Fall of 2014. I was later contacted by this debt collection company and they have refused to remove the erroneous claim from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
THIS IS A FOLLOW UP TO COMPLAINT # XXXX, I CONTACTED DIVERSIFIED ADJUSTMENT SERVICES INC TO SEE IF THEY WOULD DELETE THE COLLECTION ACCOUNT ONCE IT WAS PAID IN FULL AND THEY TOLD ME XXXX THE ORIGINAL CREDITOR WOULD NOT ALLOW THEM TO DELETE SUCH ACCOUNTS THEY CAN ONLY MARK IT PAID IN FULL. I WAS THEN ADVISED TO CALL XXXX TO SEE IF THEY CAN SEND AN EMAIL OR LETTER TO DIVERSIFIED ADJUSTMENTS PERMITTING THEM TO DELETE SAID COLLECTION ACCOUNT ONCE IT WAS PAID. XXXX STATED TO ME IT IS THE WILL OF DIVERSIFIED ADJUSTMENT SERVICES TO DELETE SUCH ACCOUNTS. I NEED TO KNOW IF I CAN HAVE THIS COLLECTION ACCOUNT DELETED FROM MY CREDIT REPORT UPON PAYMENT IN FULL. THIS IS THE LAST FORM OF DOCUMENTATION I NEED TO PROVIDE MY MORTGAGE BROKER TO MOVE FORWARD WITH SECURING MY HOME LOAN PLEASE ADVISE ACCORDINGLY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Business Factors
State: NV

Complaint narrative:
Having major health issues for a few years. I had several medical bills sent to collection. Originally I had made arrangements to repay this debt. Due to my continued Health issues I have missed a lot of work, and my income has been substantially been reduced. So I am not able to pay {$200.00} a month any longer, but I do continue to make monthly payments. XXXX from national Business Factors is less than pleasant every time payment is made. Along with the threat of legal action, and wage garnishments.

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