vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX/XXXX   Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX/XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated filed ftc not done anything

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 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received an email to check my mortgage statement for information re my mortgage. I did and there was no message or other information just a statement that showed the amount due which was the same as previous months. I checked the mortgage activity and found a statement saying Escrow refund {$1100.00} I called Wells Fargo my mortgage servicer and was told the bank audited my escrow account and generated a check in that amount. I had been adding money to the escrow account to cover estimated real estate taxes which are due in XXXX as last years taxes were paid assessing the property as not completed and were substantially lower than this years taxes will be in the neighborhood of {$2000.00}. 
The bank never provided me with a report of the audit nor asked me why or what I would like them to do or why I had been increasing my escrow payment each month. They just arbitrarily refunded an amount. After waiting on hold for almost 2 hours and being transferred 4 times I looked up your web site and found they were not in compliance by not notifing me of what actions they had taken and the status of the audit I notified them I was filing a complaint. They refused to call me back and said I had to stay on hold.

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 2020-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Elite Debt Brokers
State: CA

Complaint narrative:
See complaint # XXXX I'm now being told that the company that called me is ELITE DEBT BROKERS who contacted other people saying I was going to be sure, and my employer was going to get contacted. I asked for a Validation of the debt ( a lot of fraud out there ) and she got even more. Persons name was XXXX XXXX. Telephone number is XXXX and another number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc.
State: GA

Complaint narrative:
Ra Rogers Inc Collection contacted me about a debt their saying I owe XXXX XXXX XXXX XXXX. I don't owe XXXX XXXX XXXX XXXX any money. When the transaction happened I was in Minnesota at the XXXX XXXX having XXXX and XXXX for XXXX XXXX. I did not authorize any transactions that occurred on my XXXX XXXX XXXX XXXX account and I'm not responsible. This company has reported incorrect and fraudulent information to the credit bureaus and I want them investigated. I would like for this company to stop harassing me and ruining my credit for something I did not do.I 'm going to get my attorney involved at this point. As of today i have not received all the transactions info, I requested that this company send me all the transaction on the XXXX XXXX XXXX checking account and they have fail to do so. XXXX XXXX XXXX XXXX informed me back in XXXX  this account was closed because I reported someone used my account and this Ra Rogers Inc Collection an old debt buying company obtained a account and trying to collect. They are not getting XXXX XXXX  from me because I don't owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$20000.00}

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 2020-07-13 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$20000.00}

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 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The account 's where removed but put back on by other creditors.

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 2020-07-13 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: TN

Complaint narrative:
The account 's where removed but put back on by other creditors.

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 2020-07-13 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: CARS Acquisition, LLC
State: AL

Complaint narrative:
To be honest i don't know what happen the finance service appeared on my credit report and I've never financed a car through them they appeared on my credit in XX/XX/2019 car financial services i tried disputing it but it came back that it was correct but its not i haven't financed a car in about 10 years and this company wasn't the company i went through and the car is paid off so i meed this removed off of my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: NY

Complaint narrative:
I had submitted a complaint about XXXX XXXX XXXX XXXX about a month ago in regards to them listing a loan that is showing as a charge off on my credit reports. I've had multiple loans with them that have all been paid in full and never late. Approx 6 loans. Those loans were reporting current paid in full. There was 1 that was reporting as bad. ( which is incorrect ) all loans have been paid in full and this is also going back to XXXX. Today I was notified they removed 4 closed paid loans off my credit reports which caused my credit score to drop. I did not ask them to remove positive information that keeps my credit score in good standing. I had complained that this old loan which is over 7 years old be removed off my report as the information is outdated aside from that all the loans have been paid in full and satisfied. I don't know why they removed 4 loans off my credit reports.

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 2020-07-13 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: Nelnet, Inc.
State: OR

Complaint narrative:
I spoke with Dept of edu they advised the Administrative CARES forbearance was applied to my student loan. They advised they reported back to both credit unions in regards to this issue on XX/XX/XXXX it is now XX/XX/XXXX and the 80+ point drop in my credit score has not been corrected. It is hard enough as a XXXX  of XXXX to get ahead and an 80+ drop in my score impacts my life greatly. I have worked entirely too hard for a mistake I had nothing to do with having such a negative experience is extremely disheartening. I have since reached out to the credit bureaus but they dont care obviously Im just another number. Theres so much red tape and we dont get the immediate correction deserved. If there is a number I can call to get this worked out ASAP please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc.
State: AR

Complaint narrative:
I was a patient at XXXX XXXX XXXX in XXXX XXXX, AR from XX/XX/2019 until XX/XX/2019. At admission to the hospital they were informed I was a VA patient and to notify them in order to obtain transfer to their hospital in XXXX XXXX, AR. They failed to do so within the 72 hours timeframe as established by the VA. We informed the VA by phone calls numerous times and were told not to worry about it, that I needed immediate emergency care, and I was set up through XXXX to be treated by a local hospital due to the distance to XXXX  XXXX , AR VA. Consequently, XXXX XXXX XXXX billed XXXX XXXX XXXX and received immediate compensation, leaving a balance due of {$1800.00}, which is their co-pay amount. If the VA had been billed as instructed, their would have been no co-pay. The balance due went to Receivable Solutions in XXXX, SC and we informed them by written letter and attachments, which they continue to not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX contacted me about a debt their saying I owe XXXX XXXX XXXX XXXX. I don't owe XXXX XXXX XXXX XXXX any money. When the transaction happened I was in Minnesota at the XXXX XXXX having XXXX and XXXX for XXXX XXXX. I did not authorize any transactions that occurred on my XXXX XXXX XXXX XXXX account and I'm not responsible. This company has reported incorrect and fraudulent information to the credit bureaus and I want them investigated. I would like for this company to stop harassing me and ruining my credit for something I did not do.I 'm going to get my attorney involved at this point. As of today i have not received all the transactions info, I requested that this company send me all the transaction on the XXXX XXXX XXXX checking account and they have fail to do so. XXXX XXXX XXXX XXXX informed me back in XXXX  this account was closed because I reported someone used my account and this XXXX   XXXX XXXX XXXX  an old debt buying company obtained a account and trying to collect. They are not getting XXXX XXXX  from me because I don't owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On my Costco/Citi statement due XX/XX/XXXX, I had a statement balance of {$61.00} and went online today, XXXX to pay it. After the statement closing date I had returned a couple of items, leaving a balance owed on this statement of {$14.00}. 

When I clicked on the PAY button, I was shown 3 options : Pay the minimum due of {$35.00} ; Pay the remaining amount on the statement due of {$14.00} ; Pay the total currently owed of $ XXXXsomething. 

However, when I clicked on the {$14.00}, I wasn't allowed to pay that amount. I had to pay the minimum shown on the statement of {$35.00}, thereby overpaying by {$20.00}. 

I called about this and was told by the customer rep that yes, she could easily see the problem, but that was the rule and she could only make note of it for the future. 

This is quite a scam by Citi. This forced overpayment is a small amount, and is an accounting inconvenience for me, but much more importantly, Citi is using my money and that of others for free, probably totaling hundreds of thousands of dollars per month. It isn't correct, it is a rip-off and I believe that your Bureau should make them change the practice.

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA Collection Company, XXXX XXXX XXXX, XXXX, KY XXXX A Medical dispute for XXXX and was paid to this company-for XXXX XXXX XXXX. 
I have disputed it about six months ago and XXXX  will not remove this from my credit report as of XX/XX/XXXX. It was taken off of my XXXX  and XXXX  credit reports. 
Also, my bill is {$460.00} and was paid off during the XXXX  breach which I was a part of. 
XXXX, XXXX XXXX  to XXXX XXXX EST Mon-Friday.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I am paying my car loan back at a payment and a half per month with GM Financial to catch up after falling on tough financial times. Have discussed with them multiple times the plan. In the past 3 days alone, they have called me 15 times! When I questioned them, they said, well the computer says weve only twice today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I filed a Complaint # XXXX, which is now closed ; however, Planet Home Lending has now reported me as delinquent to the XXXX  Credit. I only had a loan with them ( # XXXX ) for one month ( XX/XX/2019 XXXX and it was transferred to XXXX XXXX XXXX and I was not late on my payment. They are just trying to get back at me for filing a complaint with your organization. Can you please help me get my credit report back to good standing? Thank you.

Company response to consumer: Closed with explanation