vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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: FL

Complaint narrative:
THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY REPORT. I DID NOT AUTHORIZED TRANSACTIONS MADE BY ME.

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 2020-01-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
I purchased a home in XXXX, I had an 80/20 loan but only had one mortgage servicer and made only one payment to them - not two separate payments. In XXXX I had my loan modified, the modification states that I have a new loan with one payment and everything would be brought current, and I had a payment schedule. 

I have kept to that schedule and haven't missed payments, however, I recently found out that they didn't not include the 2nd mortgage in the modification - even though they told me they did, and my modification agreement states the loan will be current. 

I have never received a bill, or statement or even knew I had a 2nd mortgage since XXXX. 

But I recently received a notice of default from Trinity Financial from the XXXX agreement. They have never contacted me or asked for payment. My home has recently came up in value and so they are looking to foreclose, but I'm on time with my first mortgage and had no idea there was still a second. 

The company is Trinity Financial Services , LLC. 

The loan modification agreements states that $ XXXX would be added onto my loan, and that amount - as told to me - was to pay off the 2nd and my late payments in total. 

But when they modified my home loan, they only modificed my first home loan - which was never explained to me. And now the lender with the 2nd lien is coming to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : DSNB MACYS XXXX XXXX XXXX XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY REPORT. I DID NOT AUTHORIZED TRANSACTIONS MADE BY ME.

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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY REPORT. I DID NOT AUTHORIZED TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I graduated college in 2011 with about 25,000 in debt. I was misled regarding student loans by sallie Mae now navient as they told us that my mother could co-sign but later be taken off when I demonstrated that I could pay consistently for a period of time. We were also misled about rates and repayment options causing us to accrue thousands and thousands of additional debt. I have now paid my loans consistently for years and owe over 40,000 of debt. My mother is still a co-signer and we have been told now that she will never come off as a co-signer. This company misled us causing thousands of dollars of debt that should be repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
There is still an account being posted on my credit report, that effects my score. The Sallie Mae closed account is listed 7 times as individual accounts and is still listed well beyond 10yrs. The account is from 2007, again listed 7 times as individual accounts. Showing I have 7 closed accounts. I have asked the old accounts to be removed, which included in the past other accounts. The other accounts were removed, yet there are still 7 of the same account listed. This is wrong and needs to be fixed properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I got a quote from XXXX XXXX for insurance when I purchased a home in early 2019. I went with a different insurer. I did not agree to purchase the XXXX XXXX policy and thus I have no responsibility for this alleged debt. XXXX XXXX kept sending bills. They sent this invalid debt to a collection agency, CCS. CCS is now attempting to collect the debt. I sent proof of other insurance to CCS in 2019 to document that I have other insurance and never purchased a policy from XXXX XXXX. I also formally disputed the debt. CCS continues to attempt to collect this invalid and disputed debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In XXXX we were informed that Specialized Loan Servicing LLC was now in charge of our mortgage loan and at this time we made the proper arrangements and send a XX/XX/XXXX payment of {$1800.00}. this payment was for {$1300.00} plus impounds same payment made for the last six months. On XX/XX/XXXX we received a statement informing us that our payment was now {$2100.00} plus impounds totaling {$2600.00}. My wife called on XX/XX/XXXX talked to XXXX and was told that they would look into it. We received a statement dated XX/XX/XXXX stating that we now owed {$4200.00} to bring our payments current. On XX/XX/XXXX I spoke with XXXX and he looked at my loan note and saw the discrepancy in payments and he had XXXX a supervisor contact me and she also looked up the loan note and opened a ticket to look into the discrepancy was promised a call back and never received it. After repeated calls they stated they were looking into it and a target date of completion would be XX/XX/XXXX. 
On XX/XX/XXXX we then received a refund of {$350.00} from our property insurance company as Specialized had send them a payment that was not due till XX/XX/XXXX. Shortly after Specialized send us a statement saying that our escrow account was short. I quickly called and complained about their misuse of our impounds and how our payments were wrong. They put in a ticket for that to be fixed also. 
We received a new statement dated XX/XX/XXXX that showed we now owed them {$5100.00} to bring account current. I managed to talk to a Supervisor named XXXX and he stated there were now two tickets to investigate problems on our account ticket XXXX XXXX payment discrepancy XXXX and XXXX ( impound XXXX. Reviewed my account history and it still showed the higher payment of {$2100.00} and he further informed me that the payments I have been making were being held in suspense because of underpayment. 
It is now XX/XX/XXXX and as of todays call nothing has been done. A resolution to this problem needs to be completed as it is illegal to charge any higher payment than what is in your mortgage note and misuse of impounds

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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Said I didn't pay my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There 3 accounts on my report that show dispute and i have advised the bureau several times that the company informed me that the accounts are out of dispute, however the dispute still shows on my credit report. I asked the credit bureaus to remove the dispute and they keep telling me it is, but it still shows. i would like the disputes to be removed since i never requested a dispute and the companies keep telling me that it is in dispute.

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 2020-01-23 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, there were inquiries done by Reliable Financial Services , Inc. using my information, for a car loan. I did not authorize these inquiries and don't even live where these inquiries were made ( I live in New York, inquiries were made in Puerto Rico ). 

XX/XX/XXXX, there was an inquiry done by XXXX XXXX in XXXX XXXX, Puerto Rico,  using my information, for a car loan. I did not authorize this inquiry and don't even live where this inquiry was made ( I live in New York, inquiry was made in Puerto Rico ).

I have communicated with both entities and they have suggested that I file a complain with the CFPB. They say the inquiries do not appear in their records, but it does appear in my 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 2020-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX, TRANSUNION, AND XXXX ARE KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX ON MY CREDIT FILE THE OPENED DATE AND THE DOFD DATE OF FIRST DELIQUENCY.

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 2020-01-23 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: MD

Complaint narrative:
XXXX, XXXX, AND EQUIFAX ARE KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX ON MY CREDIT FILE THE OPENED DATE AND THE DOFD DATE OF FIRST DELIQUENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westcreek Financial
State: FL

Complaint narrative:
I opened an account with West Creek Financial in the late part of 2019. Recently in the past XXXX months I have been out of work due to medical reasons. I have not been receiving any pay checks. As soon as I knew I was going to be out of work I spoke to one of the representatives at West Creek Financial and told him my situation and they told me not to worry and to let them know when I started working again so that I could start making payments again. most places that allow you to take out a loan there is a payment protection plan that protects you and your credit from bad remarks such as late payments and miss payments when youre out of work. I expressed that I was willing to make partial payments but they told me they did not allow partial payments and that they only excepted payments in full. They threatened me and told me they will send my account to collections if I did not pay them in full after I had clearly told them I was not working at the time. Today on XX/XX/XXXX I had to borrow money from my family to pay my past due balance of {$480.00}. I am extremely disappointed with the poor customer service and the lack of empathy that they show their customers during trying times. I was not asking to hold my payments until I started work again I just needed to be able to make partial payments but they threatened to send my account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I Ordered a hoodie that ended up being {$99.00} with shipping and tax after ordering it I conformation email from XXXX confirming my order # XXXX or the hoodie I wanted. I then recived an email that my order was being perpared and would be shipping soon. Once the package arrived at my door I discovered it was not the hooide I ordered and they didnt sen me it becuase of a " Website Malfunction ''. I was never given the oppurtunity to cancel or opt out of my order becuase I woul dbe reciving something I didnt order, or want. I then contacted the merchant to see if they could do anything but they informed me that they didnt do refunds or exchanges. I feel like this is wring because I ordered something, got a conformation of that product, was then shipped another product without the chacne to opt out of my order, then was told that they couldnt do anyhting. The hooide was {$85.00} before tax and shipping.

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 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I sent a dispute letter to Amcol systems asking them to validate this debt and also asking them to send me proof of the services provided along with the dates services were provided on along with a HIPAA release form. They failed to respond to my letter, by law they had 30 days to respond and they failed to do so. I sent them a letter via CERTIFIED MAIL. And it is not XX/XX/XXXX and I have yet to receive any proof that this medical bill belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: TX

Complaint narrative:
Items on credit report older than 7 years since date open have not been removed. Instead these items have been " updated. '' this is true for all the credit reporting agencies. They have " removal '' dates for several accounts but not sure if they comply with the fair credit reporting act. Some other disputed items do not have " removal '' dates listed.

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 2020-01-23 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:
Checking my XXXX  XXXX again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my 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 2020-01-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There 3 accounts on my report that show dispute and i have advised the bureau several times that the company informed me that the accounts are out of dispute, however the dispute still shows on my credit report. I asked the credit bureaus to remove the dispute and they keep telling me it is, but it still shows. i would like the disputes to be removed since i never requested a dispute and the companies keep telling me that it is in dispute.

Company response to consumer: Closed with explanation