vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-31 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX- XXXXXXXX XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX PUBLIC RECORDS : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2019-10-31 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: NY

Complaint narrative:
I have been repaying my federal student loans since XX/XX/12 through XXXX XXXX and then XXXX  and switched to fed loans in XXXX i have always been enrolled in a income based repayment plan and worked for non-profit. i am still waiting to an updated loan count from XXXX which i requested in XXXX the only loans " counted '' have been for the months i paid through fed loans. i have called fed loans multiple times for an update and was told there is no way for them to tell me why there has been a delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I pulled my XXXX report.Under loans prequalified for. I chose XXXX  XXXX   loans.When I inquired with XXXX XXXX loan, I told them I don't want any hard pull inquiries on my credit report/trade line for a loan.I received three denial letters from XXXX XXXX/XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I pulled my Experian report.Under loans prequalified for. I chose XXXX XXXX   loans.When I inquired with XXXX XXXX loan, I told them I don't want any hard pull inquiries on my credit report/trade line for a loan.I received three denial letters from XXXX XXXX/XXXX XXXX  and XXXX 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 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
MY COUSIN GOT A VOICEMAIL FROM AN UNKNOWN NUMBER HE DIDN'T ANSWER. A GIRL LEFT A VOICEMAIL VERY THREATENING. SHE SAID ON THE VOICEMAIL, I WAS GOING TO GET SERVED SOME DOCUMENTS BETWEEN 3 AND 5 AND IF I DON'T ANSWER THE DOOR, THEY WILL GO TO MY JOB AND SERVED ME THERE. THAT THE MATTER IS LEGAL AND I NEED TO ACT NOW. I CALLED AND TALK TO A GIRL AT XXXX XXXX WHO MADE ME DO PAYMENT PLAN OR ELSE I WILL HAVE TO GO TO COURT AND SO ON. I CONTACTED FIFTH THIRD BANK TO ASK FOR DETAILS AND THEY REFUSED TO PROVIDE ME W/DETAILS AS I COULDN'T REMEMBER AN ADDRESS FROM 10 YEARS GO,. THEY REFUSED TO TALK TO ME WHEN I GAVE THEM MY SOCIAL SECURITY NUMBER. 
I FELT VERY THREATEN BY THE VOICEMAIL AND HOW THEY ARE HANDLING BUSINESS. I FEEL NERVOUS AND SCARED THAT IT COULD BE A SCAM OR FRAUD. 

SO XXXX XXXX IS SERVICING FOR FIFTH THIRD BANK. 
TO MY UNDERSTANDING, BUT EITHER OF THEM HAVEN'T LEGALLY SEND ME A LETTER THAT I HAVE A DEBT. 
THAT DEBT THEY CLAIM I OWE, IS NOT ON MY CREDIT OR ANYWHERE. I NEED HELP. THIS VOICEMAIL WAS LEFT ON A THIRD PARTY PHONE NUMBER AND THAT IS AGAINST THE FDCPA. ALL THIS IS AFFECTING ME MENTALLY. 
I PAID XXXX TO PREVENT ANY ISSUES. 


MY NAME IS : XXXX XXXX PHONE NUMBER XXXX LAST XXXX OF MY SOCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: CA

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-31 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have contacted synchrony bank/Walmart serveral times and they tell me they do not have my information anymore because it was bought out by XXXX XXXX /Walmart credit card. I paid this amount and it was suppose to be deleted off my credit report. It still shows on my credit report and shows as paid with a zero balance and that the account was charged off and sold to another lender. Neither company will deleted this and update it and both state they can not find my information. This was paid off over two years ago.

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 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Attempted to use XXXX ( and Citicard ) to make hotel reservation at XXXX XXXX, XXXX XXXX Oregon XX/XX/XXXX. Upon arrival no reservation had been made. I spent XXXX minutes trying to call XXXX to no avail, no response, no help from XXXX. XXXX XXXX clerk was very helpful and said he frequently noticed problems with XXXX. So we used our Citicard XXXX to pay for room. After receiving our next card statement we noticed 2 identical charges for {$100.00} for the same date : XX/XX/XXXX. 

Complaint is that XXXX did not provide any tangible or useful service, yet they billed us as if they did. Two complaints have been made to Citi and they just repeat the statement from XXXX that they will not accept this chargeback, and that XXXX did make a reservation. That is not true. A useful reservation was not made, and XXXX at that time had a total lack of any practical, timely customer assistance. As of this date ( XX/XX/XXXX ) we have not been made whole and we are out {$100.00} due to XXXX 's breakdown, and lack of any reasonable support or consumer advocacy from Citi.

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 2019-10-31 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: Healthcare Receivable Professionals, LLC
State: SC

Complaint narrative:
I have contacted XXXX XXXX serveral times and they tell me they do not have my information anymore because it was bought out by XXXX XXXX XXXX  credit card. I paid this amount and it was suppose to be deleted off my credit report. It still shows on my credit report and shows as paid with a zero balance and that the account was charged off and sold to another lender. Neither company will deleted this and update it and both state they can not find my information. This was paid off over two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: SC

Complaint narrative:
Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TN

Complaint narrative:
Received in the mail a letter from the foreclosure attorney stating my home will be sold XX/XX/2019. I'm currently in a trial modification plan and I've made the trial modification payments. How can my home be set for a foreclosure sale when I'm making payments and have provided all the requested information that my mortgage company ask me for. I spoke with customer service XX/XX/2019 and was informed they did not show a foreclosure sale date for my home, but when I spoke with the attorney office they informed me it was set for the foreclosure sale. 

Please Help!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
The loan was originally for XXXX and {$200.00} payments then suddenly they went up to {$400.00} every other week I was struggling to make them and nothing was coming off the principal. The terms were not clear and I feel like it was a scam how can a XXXX loan turn into owing XXXX in default when I have made over XXXX in payments. They have now filed a small claims against me in the amount of {$4600.00} stating they are writing off XXXX. I have requested several times a list of all of the payments I did make and details as to how I could possibly owe {$6100.00} and they have not produced this instead they filed a small claim which I will be disputing. I am also looking for others with this issue to possibly file a lawsuit against this company 's shady business tactics. Taking advantage of individuals who are in need of a short term loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: GA

Complaint narrative:
YesterdayIwenttothecardealershipandtestdroveacoupleofcars.I'mindeepthoughtofgettinganewvehicle.Iwenthomeandcheckedmycreditreportjusttomakesuremyscoreisuptopar.WhiledoingsoInoticedacoupleofitemsonmycreditreportthatarenotmine.Thisisunacceptable.Ineedtheseitemsdeletedfrommyreport.I'mworkingonthisallonmyown.IcontactedthepoliceandFTC.Thesearetheitems:XXXX,XXXXXXXXXXXXXXXX,XXXX,XXXXXXXXXXXX,XXXXXXXX,XXXXXXXXXXXXXXXX,XXXXXXXXXXXX,XXXXXXXXXXXX,XXXX,XXXXXXXX.inquiries:XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Remove Fraudulent XXXX XXXX Account from my credit file immediately! I was contacted by XXXX XXXX and informed that I was a victim of the XXXX XXXX Data Breach which resulted in this fraudulent account being opened in my name. XXXX XXXX promised Free Credit Monitoring and Experian did ABSOLUTELY NOTHING despite being contacted by XXXX  XXXX regarding this matter.I WILL take legal action against Experian if they continue to evade FEDERAL CONSUMER LAWS for their own financial gain.

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 2019-10-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i am submitting a complaint for accounts that came back on my credit reporting agencies such as : ( Experian, XXXX  and XXXX  ). 
i had disputed and mailed my police report ( FTC report to all three bureaus and creditors ) that i had been a victim of ID theft, therefore these accounts were opened under my name with out my knowledge. these inaccuracies were removed but XXXX had placed back this inaccurate account to Experian without notifying me of this reinsertion this is an inaccurate information reporting under my name, this ought to be removed. 
this is a serious complaint to Experian and all three other three major credit reporting agencies that re insert inaccurate information without seeking out to the client. 
please have these 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 non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION
State: IL

Complaint narrative:
My background check for a job was finished today XX/XX/XXXX. It seems they can't prove my current or past employment without simply dialing a phone number. I am 50 % owner of XXXX XXXX  back to XXXX. When we opened our dba was XXXX XXXX XXXX and around 3 years or so ago XXXX XXXX XXXX   pulled our contract as we were a franchise and they were selling their entire company. XXXX   rebranded as XXXX XXXX XXXX XXXX with myself still 50 % owner. During this background check we were relocating and haven't been open for the last 3 months.The phone number I supplied them with wasn't active at the time or was a temporary phone number until we could get our old one back. I contacted First Advantage and explained this and provided them with my business partners ' phone numbers yet my partners ' said they were never contacted. The store just reopened today and I have the temporary phone number but fear in contacting them again nothing will be done. Also in validating my SSOC number they listed my old business address of XXXX XXXX XXXX XXXX XXXX Illinois XXXX which was XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX  ( the place we just moved out of a few month ) ago as one of my residential addresses. This is incorrect. Also during the same process they listed an end date to my residence I have been at for 15 years and am still at paying a mortgage on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IL

Complaint narrative:
Around XXXX of XXXX MOHELA, the company that bought my student loan a few years ago, increased my monthly payment on my Income Contingent Repayment Plan by over {$1000.00} without notifying me. Because they did not notify me of the increase, I continued paying the same amount that I had been paying for the last 16 plus years. I found out about this $ 1000 monthly increase in XXXX of XXXX when I tried to get a loan for a house and I was told that my credit had a problem. The problem was that MOHELA had reported that I had missed 3 monthly payments. 
At that time I contacted MOHELA and they immediately corrected the payment to reflect the exact same amount that it had been for the previous 16 plus years. MOHELA then sent me a letter that said I was in good standing. HOWEVER, they did not rescind the notifications they previously sent to the various credit reporting agencies. Due to the fact that the notifications they sent were not accurate, I disputed their claim that I had a late payment. I contacted XXXX, XXXX  and XXXX. But MOHELA refused to rescind their notifications with any of these agencies. 
This led to a correspondence between MOHELA and myself that lasted several months that involved MOHELA giving me the run around. 
So I filed a complaint with the XXXX XXXX XXXX. Still MOHELA refused to rescind the inaccurate notices to the credit reporting agencies. My credit score is still hurting because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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:
Yesterday I went to the car dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I contacted the police and FTC. These are the items : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-31 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:
Yesterday I went to the car dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I contacted the police and FTC. These are the items : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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