vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
Pennymac wrongfully denies my loan modification based on my race and decides to use the typical standard statement they tell others stating claim my debt to income ratio was high. Well thats totally un-true and Ive provided plenty of evidence showing the expenses related to the house which will show my expenses pretty much totals or exceeds my income. My mortgage shouldnt have been more than {$1500.00} but of course, I got ripped off by XXXX XXXX XXXX and now Pennymac. I put 20 % down and still Im paying Mortgage protection insurance which doesnt benefit me at all. I demand a modification or Ill never stop complaining and making accusations..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A bank has tried to access my Equifax score but it shows them theres an error on the system. They called me stating that there was a lock on my Equifax report. I called Equifax and the first representative told me there was no problem with my credit report. I was told to verify everything regarding, name, address, and other personal info with my bank. After contacting my bank all info they have is correct. 

I called Equifax a second, third, and forth time. This time the representatives said they had no record of me ever having an Equifax report. They asked me if I have ever gotten a loan, credit report from them and even if I had a credit card. All which I responded yes. They still weren't able to find me in there system. They say that they have no record of me ever having credit with them. 

I have in the past 6 months gotten my credit checked without a problem. I also have access to my XXXX XXXX account which shows my suggested Equifax score. explained all this to the representatives which barely spoke XXXX. Apparently they did not know how to further investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: LA

Complaint narrative:
In XXXX I began contacting CONNS in an attempt to resolve this issue. It took from XX/XX/XXXX until XX/XX/XXXX for my account to be found. At that time XXXX XXXX XXXX had acquired the account. They contacted me and we agreed on a settlement. I was to pay {$1000.00} immediately and then make two additional payments of {$550.00} on or about the XXXX of XXXX  and XXXX  of XXXX of XXXX. All payments were to be drafted from my checking account. I was told that before any payments were deducted from my checking account I would receive a written notice. I was told if I needed to change the arrangement that I could call and do so. In XXXX I called to notify XXXX XXXX XXXX that I would need to change the arrangements due to the recent death of my husband. I explained that I would have to make smaller payments. We agreed that 4 payments of XXXX would be made biweekly. This way I would pay off the account in the same time frame. I spoke with a supervisor named XXXX XXXX who assured me that the changes would be made. The changes were not made. I was told that someone filed the forms incorrectly and so the changes were not made, but that I would be reimbursed for all overdraft fees. Mr. XXXX gave me his email address and asked me to email him verification of the overdrafts and they would reimburse me since it was their error. I did receive the reimbursement, but the issue was still not corrected. In XXXX the same thing happened. The amount of {$550.00} was taken from my account again. I did not receive prior notice either. I called back and spoke with Mr. XXXX, but the issue was not resolved. They would not remove the account nor would they give me credit for the payments made because the first payment had to be reimbursed. As I explained to Mr. XXXX I could not pay more than what I had already been out of unless they were going to reimburse me the overdraft fees that I had incurred yet again. I was told that there was nothing that could be done. As a direct result of the errors made by XXXX XXXX XXXX my credit score dropped ( I was unable to pay other bills timely because the funds were not there ), I was evicted because I had to pay my rent late and I almost lost my vehicle ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
This debt was paid to XXXX already and should not have been sent to collections. I confirmed with XXXX that my account has no pending charges and that I have paid in full. GLA Collection Company, IN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KY XXXX, reported falsely to XXXX that I have an account in collections. I filed a dispute and they lied to XXXX and said that the debt is being reported correctly. It is not being reported correctly. They did not investigate that this debt is not valid. They falsely claimed the debt is valid to XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: HI

Complaint narrative:
My complaint is against Experian.com I signed up for a free trial on XX/XX/XXXX which I immediately canceled afterwards. I have the original email to show that I did indeed cancel with them. However I was still charged account {$21.00} on XX/XX/XXXX to my account. Because of that charge my account was overdrafted which resulted in a fee. The bank did not refund that fee because it was not their error it was the error of the company that charged me when they were not supposed to. This is through no fault of my own and I took the precautions I was supposed to in order to cancel my membership and this is not the banks fault either. I Have received a refund for the {$21.00} however was told by a representative of Experian that they would not reimburse me for the overdraft fee and that the bank should be able to reverse it once they saw that Experian deposited funds back to my account. However that is not the case because it was not the banks fault that I was charged by Experian. I have sent multiple emails with proof of my cancellation and proof of my overdraft fee attached and have not received one response from Experian or any compensation for the {$32.00} they cost me. The fee was charged immediately after they posted the {$21.00} charge.

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 2018-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
Called friends and family members claiming the would call my work, and legal action would be taken if unspecified date was not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To CFPB, I have been in the hospital a lot lately suffering from XXXX, upon my release from the hospital and while taking responsibility for my credit I noticed that Trans Union is at it again, meaning, they simply do not take the time to verify the information that is reported to them, in this case from a company called XXXX XXXX claiming that I owe XXXX XXXX XXXX {$230.00}, really? That's strange I NEVER RECEIVED NOTICE that I owe them anything. This kind of behavior on the part of Trans Union to neglect their responsibility to verify information given to them justifies a fine from the CFPB of XXXX XXXX and XXXX XXXX dollars and a fine for the company reporting this bogus debt to match that of Trans Union. I WARN YOU that if something happens to me ( health wise ) as a result of this kind of behavior my family will come after you ( legally ) and you will have financial XXXX to pay.

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 2018-11-16 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC.

1.XXXX XXXX 2.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 2018-11-16 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
I have file this report because I'd like to clear my good name.

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 2018-11-16 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed on my credit report a 90 late payment notice that was the 1st time I noticed the name Navient, after calling them i found out that they took over my loan XX/XX/XXXX, but no one from Navient reached out to me to setup payments arrangements no agreements was signed nothing until I reached out to them on XX/XX/XXXX and then I gave them my phone number and email address, I asked if there was away to remove the negative reporting on my and report allow me to make payments to bring my account current since XX/XX/XXXX was the 1st time I spoke to someone from Navient, customer service had no response for why no one reached out to me sooner expect that they didn't have my contact info on file, I asked to speak to a supervisor and since XX/XX/XXXX to now XX/XX/XXXX I have been unable to speak to a supervisor about my account, I want to be able to make payment arrangement that I can afford and at the same time since I made the initial contact remove the negative 90 day late payment off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed, 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 2018-11-16 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My husband and I filed for bankruptcy in XX/XX/XXXX. A credit card account we had with Wells Fargo is showing a balance of over {$14000.00} with all three credit reporting agencies. These reports imply the account is still open and that we are still responsible for it, when in reality it was discharged in the bankruptcy. I spoke with four different individuals at Wells Fargo on XX/XX/XXXX concerning this matter, and one of them finally admitted the account was indeed closed, but that it had to remain as open on my credit report for 7-10 years. I am also disputing the actual amount they are saying we owed on this account.

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 2018-11-16 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: NY

Complaint narrative:
This is my 9th complaint against Equifax and their failure to remove this account that ISN'T MINE, Equifax has been shown proof several times that this account isn't mine and they have been given the chance to fix their mistake, but yet they continue to report this fraudulent account with proof that the account isn't mine. My next step is to file suit for {$1000.00} for each wrong doing that Equifax has done to me, as this false account is defaming my name. Remove this account immediately # XXXX and show me how you verify this nonsense, i can take a wild guess XXXX which is unreliable! Especially when i have shown proof 9 different times. Stop wasting my time and effort, next step is {$1000.00} in my pocket for each false account with this account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed Equifax : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: MI

Complaint narrative:
Attached you will find documents mailed to me by companies stating they would be contacting EXPERIAN to remove unknown credit inquiries. To speed up the process I sent copies over to EXPERIAN. Some have been since XX/XX/2018 which gives them more than 9- days to remove the inquiry. Yesterday I called and spoke with XXXX who was very rude with me. First he claimed EXPERIAN has " never received your letters sir! '' Then he put me on hold for 20 minutes and magically he was able to read me word-for-word the letters I have attached for you here. He then told me, " WE WILL NOT BE REMOVING THE INQURIES SIR. FOR ALL WE KNOW YOU WROTE THESE LETTERS. THEY ARE NOT OFFICIAL. WE HAVE NOT RECEIVED ANY INFORMATION FROM THESE COMPANIES DIRECTLY. NOPE! WE WILL NOT REMOVE. YOU NEED TO WRITE TO THE COMPANIES YOU HAVE SENT US LETTERS FOR AND YOU NEED TO TELL THEM TO SEND YOU OFFICIAL LETTERS SIR! '' Just rude! I've done my part as a consumer. These companies sent me letters on their letter head. I WANT THEM DELETED IMMEDIATELY! FURTHERMORE, at this point, I want my {$1000.00} per inquiry and per defamation of character. THIS IS PROOF EXPERIAN IS REPORTING WHATEVER THEY FEEL LIKE REPORTING AND THINK THEY ARE ABOVE THE LAW! 

In addition, I have proven I do no have a XXXX account. I have enclosed a letter that XXXX admits they can not even prove they have proof of a contract with them. No phone number for me, nothing! The email they took from the CFPB complaint! I want XXXX deleted immediately from my report and I want a check for {$1000.00} for listing the account, selling the account TWICE and DEFAMATION OF CHARACTER -- {$4000.00} EXPERIAN also claims they have the right to report any name they want to on me. I am ONE name. There are no variations of my name. It is clear accounts have been opened in my name using just my middle and last as well as my first name, middle initial and last. I ALWAYS USE AND SIGN MY FULL NAME. I DEMAND ALL ACCOUNTS NOT HOLDING MY FULL NAME BE REMOVED! Again, under FCRA I have a right to {$1000.00} for every account falsely listed using variations of my name that are not as I legally AM or PRESENT myself. 

The representative said if a credit card lists me as MIDDLE NAME and LAST they have they right to list it. NOT TRUE. THERE IS NO PROOF OF MY LEGAL SIGNATURE under FCRA it has to be removed -- at minimum while it is investigated. Then they have to write me 5 days notice before being able to put it on. 

HOW IS THE CFPB ALLOWING THIS NONSENSE

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 2018-11-16 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed, 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 2018-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: MN

Complaint narrative:
On XX/XX/2017 I, as a result of a desperate situation, took out an installment loan for {$2000.00} with XXXX XXXX ( Rosebud Lending XXXX ). This company touts itself as a tribal lender of the XXXX XXXX XXXX of the XXXX XXXX XXXX  of South Dakota. Since taking out this loan, I have made 24 payments of {$160.00} for a total paid of {$4000.00}. To date they are showing that I still have a principal balance of {$1800.00}. It has come to my attention that this may, in fact, not be a legal loan in the State of Minnesota ( my state of residence ). These payment have increasingly become a hardship for me and it is very demoralizing to see so little of the balance actually being whittled away. As I understand it, Minnesota caps interest rates on internet installment loans at 31-33 %. It is my contention that I have already paid the principal of this loan, as well as paying well beyond the interest rate cap outlined by the State of Minnesota. I should also add, that I have twice sent correspondence to XXXX XXXX concerning this issue and have yet to receive any sort of response.

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 2018-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: NC

Complaint narrative:
On XX/XX/18 an agreement was made with XXXX XXXX for a personal loan serviced my Lending Point. On XX/XX/2018 I received an email from Lending Point stating that my original Creditor for my loan was not with XXXX XXXX  but rather with another bank by the name of XXXX XXXX XXXX. I was advised to continue making payments to Lending Point on  behalf of XXXX XXXX XXXX. I reached out to Lending Point as well as XXXX XXXX  requesting validity to the Loan agreement that was signed on XX/XX/18 as well as the email that was received on XX/XX/2018. I was told by XXXX XXXX XXXX XXXX that I do not have a loan agreement with them serviced by Lending Point. I spoke with Lending Point on XX/XX/2018 and requested for them to provide me with written validation of the information they stated to be true. Today XX/XX/2018 I received a call from Lending Point stating that my Loan agreement is a valid agreement and per line 21. On the loan agreement stating that the debt can unilaterally be transferred without notice given to me. She went on to state that Lending Point now own the debt and I owe only them. Per my loan documents, it state an agreement with XXXX XXXX and only XXXX XXXX can transfer or assign the loan agreement. Further stating that Lending Point is only the servicing agent for the loan on behalf of XXXX XXXX. She implied that Im trying to get away with not paying the loan. I stated to the representative that I am simply requesting documentation of the agreement that was set forth with XXXX XXXX XXXX, and also documentation that the loan has been assigned to Lending Point. She insisted that the agreement I have is binding and my loan document is proof of validation.

Company response to consumer: Closed with explanation