vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Unisa, Inc
State: TX

Complaint narrative:
I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to UNISA as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms. I have emailed and mailed in the teacher cancellation forms but the company has yet to verify or even return any of my phone calls or emails regarding the cancellations forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number  attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to Equifax, XXXX, and XXXX to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against Equifax, XXXX  and XXXX  they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: MN

Complaint narrative:
I just received a letter from a Loan agent reguarding my credit score and it appears these 3 credit bureaus are implecating false statements against me which is totally a lie and i am about to file a lawsuit against all 3. I have reported to you before the incorrect information each displayed as deliberate reporting to hurt a consumer and they are at it again this time they have gone way over the line and made up a bunch of lies that are not true! All have been scanned and documented. It is time either Federal or who ever is in charge put a stop to these trolls and their misuse of public credit. I will never apply for credit again, once my car is paid off and cc ; s I will save up if it takes me 30 XXXX years and pay in full with out their XXXX XXXX XXXX   interference. I have had it with these liars and they are nothing more than a bunch of incompetant twits NO EDUCATION and trumped up XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
There are inquiries on my credit report closed accounts that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I received the attached correspondence from Wakefield & Associates regarding a medical collection from original debtor of XXXX XXXX ( XXXX ) in the amount of {$60.00}. The attached Word document contains screenshots of the XXXX XXXX XXXX XXXX which shows I do not owe any debt and shows my payment from my XXXX account on XX/XX/2019. I contacted a Wakefield & Associates agent on XX/XX/2019 to inform him that this debt had already been paid but during the conversation the agent proceeded to tell me I owed more that what the attached correspondence showed ( recording attached ). I informed the agent that the only billing I received from XXXX XXXX was in the amount I paid but the agent persisted to which I invoked my right to tell the agent to cease and desist collection efforts. Again the attached Word document confirms that I have a XXXX balance and the XXXX XXXX billing agent states they received my payment but it was not credited to my account. This account should have never been in collections and therefore there should be XXXX entries on my credit report from Wakefield & Associates. I am hypersensitive to any negative credit reporting because my credit score has already been severely damaged due to identify theft. To date I do not see collection reporting from Wakefield & Associates but if there is I will immediately pursue litigation to include monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
XXXX was contacted with written request and proof of identity in regards to consumer report and freeze on the XXXX th and again on the XX/XX/XXXX also have left several messages via phone and faxed request as well no communication or evidence of issue has been resolved

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 2019-04-01 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: GA

Complaint narrative:
I sent in the proper documents and they still didn't delete the accounts that I have on there. 

XX/XX/XXXX {$3800.00} XX/XX/XXXX {$17000.00} XX/XX/XXXX {$5900.00}

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 2019-04-01 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: OR

Complaint narrative:
Experian was sent a letter dated on XX/XX/XXXX to remove and delete the following account from my credit report. 

Original Creditor : XXXX XXXX XXXX, Original Account Number : XXXX Opened : XX/XX/XXXX XXXX Account Number : XXXX Current Owner : XXXX XXXX XXXX This account was a charge-off reported on XX/XX/XXXX. Experian completed a investigation on XX/XX/XXXX instead of deleting this account as requested, Experian added a 2nd charge-off to this account on XX/XX/XXXX. This is inaccurate representation of personal financial information by Experian. It's inaccurate to have two charge-offs on the same account when this account has been deleted from the owner of the account who is XXXX XXXX. 

This account was charge-off and sold to XXXX XXXX on XX/XX/XXXX. Please see the attached letter from XXXX XXXX dated on XX/XX/XXXX deleting this account from my credit report from all 3 credit agencies.

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 2019-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In XX/XX/2018, I pulled my credit report and was shocked. There were several collections accounts from a company called Transworld. I wrote them a letter in efforts to try to validate this alleged debt. To date I have not received any response. The letter was delivered to Transworld on XX/XX/2018 and signed for by XXXX XXXX. 

There was not A RESPONSE IN 30 DAYS after XX/XX/2018, therefore this needs to be deleted. 

The account was not validated within 30 days of requesting validation. See postal documentation showing when the request was signed for in XX/XX/2018! 

Delete from all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We are a public radio station and we do the usual things for fundraising -- direct mail, pledge drives and on line web form. 

Our call letters are XXXX ( XXXX, CA XXXX FM ) If anyone with a CapitalOne Credit Card makes a pledge it goes through, and we get the money deposited in our account. Then Capital One sends our customers ( donors ) a statement and instead of listing XXXX on the statement it shows " XXXX-Other Services '' and has the XXXX XXXX  XXXX XXXX logo with a picture of XXXX XXXX. 

Customer freaks out " I didn't buy {$100.00} of chicken -- someone must of stolen or hacked my card!! '' and files a fraud report. Then XXXX/XXXX  deducts the money they donated PLUS  a {$35.00} " Charge Back FEE '' from our account!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NH

Complaint narrative:
Transworld Systems - XXXX XX/XX/2019 - XXXX XXXX  Called cell phone XX/XX/2019 - XXXX XXXX   Called cell phone Do not own a debt with anyone but continue to call. 

Need to stop calling ( Harassment )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: MN

Complaint narrative:
I just received a letter from a Loan agent reguarding my credit score and it appears these 3 credit bureaus are implecating false statements against me which is totally a lie and i am about to file a lawsuit against all 3. I have reported to you before the incorrect information each displayed as deliberate reporting to hurt a consumer and they are at it again this time they have gone way over the line and made up a bunch of lies that are not true! All have been scanned and documented. It is time either Federal or who ever is in charge put a stop to these trolls and their misuse of public credit. I will never apply for credit again, once my car is paid off and cc ; s I will save up if it takes me 30 XXXX years and pay in full with out their XXXX XXXX XXXX   interference. I have had it with these liars and they are nothing more than a bunch of incompetant XXXX  NO EDUCATION and trumped up 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 2019-04-01 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: MN

Complaint narrative:
I just received a letter from a Loan agent reguarding my credit score and it appears these 3 credit bureaus are implecating false statements against me which is totally a lie and i am about to file a lawsuit against all 3. I have reported to you before the incorrect information each displayed as deliberate reporting to hurt a consumer and they are at it again this time they have gone way over the line and made up a bunch of lies that are not true! All have been scanned and documented. It is time either Federal or who ever is in charge put a stop to these trolls and their misuse of public credit. I will never apply for credit again, once my car is paid off and cc ; s I will save up if it takes me 30 XXXX years and pay in full with out their XXXX XXXX   up interference. I have had it with these liars and they are nothing more than a bunch of incompetant XXXX NO EDUCATION and trumped up 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 2019-04-01 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: GA

Complaint narrative:
I took the proper steps to get these accounts deleted XX/XX/2013{$30000.00} XX/XX/2013{$440.00} XX/XX/2013{$0.00}

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 2019-04-01 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: FL

Complaint narrative:
equifax, XXXX and XXXX has some inquiries and accounts on my credit report that are not mine. 
last four of social that is not mine : XXXX- not mine INQUIRIES that are not mine : XXXX/EQUIFAX MORTGAGE SERVICES- not mine XXXX XXXX XXXX- not mine XXXX not mine XXXX XXXX XXXX-not mine XXXX XXXX-not mine XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX- not mine XXXX-not mine XXXX XXXX XXXX- not mine XXXX & XXXX XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX- not mine accounts that are not mine : Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX Account : XXXX I have no knowledge of this account Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 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: NY

Complaint narrative:
On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to XXXX, Transunion, and XXXX to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against XXXX, Transunion and XXXX they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...

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 2019-04-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to XXXX, XXXX, and Experian to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against XXXX, XXXX  and Experian they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...

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 2019-04-01 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: NC

Complaint narrative:
I submitted an investigation request to XXXX  and Trans Union on XX/XX/XXXX. They were supposed to respond with the results of my credit investigations within 30 days but they have not.

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 2019-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/2019, Navient withdrew {$790.00} from my checking account without my permission. This left me with {$46.00} for the month. I did not realize the withdrawal had been made until late in the evening on XX/XX/2019, which was a Friday. Navient was no longer open and is not open on the weekends, so I had to wait till Monday morning to call them to request it be returned to my account. I was told that the earliest the money could be refunded was 30 days, but they would mark it as urgent, which would mean it would be refunded between XXXX XXXX, which was still 2-3 weeks away. I was told by Navient that they took the money out because I had put it on autopay, which is completely false. I don't have a steady income, and would never put my account on autopay. I have nothing on autopay. Again, after they took the money from my account, I only had {$46.00} left in my account. Once the other pending charges from the weekend went through, my account went into overdraft, and now I have overdraft fees. This has caused literally all of my other responsibilities to be late. I can't pay for my health insurance, I can't even afford to put gas in my car so I can't get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN

Complaint narrative:
My mortgage was sold to Rushmore Loan Management Services last year. I received a packet explaining how to set up online payments, but this process has never worked. I would get an error message saying that the information I entered did not match what they have in their records, but did not indicate what information might be incorrect. I contacted them after a couple of months of having to send checks for my payments, and the support person I spoke to said that they would speak to their support department and someone would contact me. After another couple of months with no response, I contacted their support number again and the agent had me read back the information I was entering in the online account setup page, and thought that my Social Security number might be incorrect in their system. Rather than fixing it on their end, I had to fill out and mail in a form with the SS number and other information that should already be in my account so that they could " correct '' my information. It's been another couple of months with no response and I've tried twice to set up the online account with the same error message each time. I am not comfortable with a company having this much trouble handling online accounts, and not making an effort to fix the problem handling my mortgage, and if this issue is not resolved soon I will find another financial company to handle my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted an investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results of my credit investigations within 30 days but they have not.

Company response to consumer: Closed with explanation