vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
No contract with Transworld System INC!!! Cease and Stop all communication methods. I do not recognize any debt of {$16000.00} to XXXX University. This account was sold to a third party. Therefore, theres no CONTRACT so please stop harrasing me and sending letters. Also, I recommend that you remove the account from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
XXXX, an administrative wage garnishment hearing company, was hired by Delta Management Associates ( XXXX, MA ), a student loan wage garnishment company, to rule on my wage garnishment appeal due to financial strain. 

My appeal application and financial documents were sent to Delta Management Associates, but they did not respond as to the status of my appeal. 

On XX/XX/2020, I spoke with a representative at Delta Management Associates who told me my written statement hearing would occur on XX/XX/2020. When I asked the representative why I had not received notification of the hearing, she was unable to provide an answer. 

On XX/XX/2020, I received a Notification of Written Administrative Hearing, dated XX/XX/2020, and postmarked XX/XX/2020, the day after I spoke with Delta Management Associates. The XXXX  notice stated I had 10 business days to submit any documentation for the hearing and the documentation had to be received by XX/XX/2020, the very next day. 

On XX/XX/2020, I left a voicemail for XXXX XXXX regarding me appeal. XXXX did not return my phone call, but instead XXXX XXXX returned my call. I spoke with XXXX XXXX of XXXX and asked why the notice dated XX/XX/2020, was not sent until XX/XX/2020. XXXX was unable to provide an answer and said she would have the hearing officer contact me. I asked XXXX why I was only given 1 business day to send my documents, but she was unable to answer and said she would have the hearing officer contact me. I asked her what documents had Delta Management Associates forwarded to XXXX for the hearing, XXXX was unable to provide an answer and said she would have the hearing officer contact me. I asked XXXX if the Notification of Written Administrative Hearing had been back-dated, since it was postmarked the day after I spoke with Delta Management Associates. She was not able to provide an answer and would have the hearing officer contact me. Furthermore, when I asked why my mailing address was incorrect, XXXX accused Delta Management Associates of providing the incorrect mailing address. 

Today is XX/XX/2020, and the hearing officer has yet to contact me. In addition, I have not received a ruling on my appeal from either XXXX or Delta Management Associates. 

XXXX XX/XX/XXXX : Delta Management Assoc says appeal hearing scheduled for XX/XX/XXXX XX/XX/XXXX : XXXX sends Notification of Written Administrative Hearing XX/XX/XXXX : Notification of Written Administrative Hearing received at my address XX/XX/XXXX : XXXX XXXX of XXXX is unable to provide any answers to my questions XX/XX/XXXX : Due date of appeal hearing documents XX/XX/XXXX : Appeal hearing date XX/XX/XXXX : I have yet to hear from XXXX  or Delta Management Associates in regards to my appeal

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 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting debts on my account that I do owe. I never received any phone calls or any written notice of this debt. I found out of these collections when I checked my credit. I immediately contacting them to verify & pay the debt if it was mine with no luck. They never answer the phone. It has been very stressful and difficult to communicate with them. They are in violation of my 30 day right to dispute, and this collections need to be removed off my credit.

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 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting debts on my account that I do owe. I never received any phone calls or any written notice of this debt. I found out of these collections when I checked my credit. I immediately contacting them to verify & pay the debt if it was mine with no luck. They never answer the phone. It has been very stressful and difficult to communicate with them. They are in violation of my 30 day right to dispute, and this collections need to be removed off my credit.

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 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Late in XXXX, my mortgage was sold by XXXX to Flagstar Bank. Because of a lack of assistance from Flagstar to my inquiries about the transfer, I elected, on XX/XX/XXXX, to cancel my tax escrow and manage the payment of my local property taxes myself. I submitted the required " waiver '' form and followed up with a document from Flagstar which both my wife and I signed confirming our election. Since the submission of the initial waiver form, I have had essentially no communication as to the status of my submission. Consequently, I have sent emails, a hard copy letter and direct telephone discussions with Flagstar 's customer service. My written inquiries have not been responded to. My contacts with customer service representatives have generated conflicting or erroneous information. Repeatedly, I have been told that Flagstar was waiting for the receipt of my signed documents. As I had USPS Priority mail receipts, they suddenly " found '' the documents in their system. Then I was told that my waiver request had been approved and I was now responsible for paying the XX/XX/XXXX XXXX County property tax installment. I agreed and prepared to send in the payment of {$2000.00}. Now I have received a " text '' that Flagstar has paid the installment. I have repeatedly requested that Flagstar return my escrow funds, amounting to approximately {$2600.00} before the so-called payment. Nothing has happened. Then I asked Flagstar to adjust my payment to remove the escrow portion so that I can make a timely XX/XX/XXXX payment. To date nothing has happened. I have asked and been promised that someone would return my calls and give me a status. No one has called. Flagstar uses a customer phone tree that is essentially an automated barrier, forcing callers to constantly make useless selections and listen to recorded responses rather than speak to a live person. Then, if I get through to a live person, they have wrong, conflicting information. So, as of today, I have no clear, consistent idea of the status of my escrow account. I also have an XXXX payment due that is incorrect due to the continued inclusion of the escrow. Given the fact that my wife and I are retired, dealing with the intense stress of the COVID situation, the callous indifference of Flagstar is unhelpful and unnecessary. I am asking for the intervention of your agency to resolve this situation.

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 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting debts on my credit file that I do not know what they are for. I had no idea this debt existed until I checked my credit file. I immediately tried contacting them with no luck. They are in violation of my 30 day right to dispute. I never received any phone calls, or written notifications of this debt. Nothing! These need to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX  XXXX PA XXXX Is reporting false information to lenders, financial institutions and all related causing financial hardship and financial disability in the business world and my finances ... the company is reporting negative information about my finances and it's 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 2020-03-24 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:
Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Experian has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In  addition Experian failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Experian has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Experian should be held accountable for violating the Fair Credit Reporting Act.

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 2020-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am receiving emails and phone calls from GM Financial saying I am 4 months behind on my payments. I have not received a single letter in the mail by USPS about these late payments. I replied back to one of these emails saying I have cleared checks for the said non payment months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: MI

Complaint narrative:
XXXX  and Experian have been told SEVERAL TIMES AND GIVEN THE COURT DOCUMENT of the approved dismissal of loans. XXXX sold the loans after the court dismissed the loans because they failed to answer the court document given by the judge. Experian knows this and will not correct the issues at hand even after receiving the court document more than once. Experian has not provided proof to me that the information from XXXX and XXXX is correct, never received any documentation from XXXX of XXXX  of there documentation BUT I DID PROVIDE TO EXPERIAN THAT XXXX AND XXXX IS INCORRECT! Can not get anyone on the phone at Experian to talk to and nothing has been fixed for over a year now. XXXX is showing on my Experian credit report 4 loans, I only had two and once again Experian for over a year has not corrected the issue at hand and I can not even get to the correct department as their phone computer does not have that option. XXXX knows those loans were closed out because XXXX failed to answer the court document, has agreed to this but still reports incorrectly. Experian needs to correct my credit report, thats all I am asking and it needs to stay corrected!

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 2020-03-24 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: NV

Complaint narrative:
The series of request letters that have been sent to Trans Union has resulted in zero success. All letters have been mailed with copies of my ID and Social Security Card for verification. Ive sent a letter on XX/XX/2020 via certified mail and in my dispute letter, I've demanded to be sent copies of the original documents ( with my signature on them ) showing that the account on my credit report belongs to me. However, as the result of that investigation, they stated that they verified and updated the account but they have not met my demands by providing me with the original documents nor did they provide me with the names, addresses, and phone numbers of those contacted. Following this, on XX/XX/XXXX I sent a Method of Verification Request letter via certified mail regarding their response. I had addressed FCRA 611 ( a ) ( 6 ) ( b ( iii ), which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, Ive asked that they provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 2. Name, address, and telephone number of each person contacted regarding this alleged account. 3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

However, as a result, they have concluded the reinvestigation by stating that they have verified and updated the account without providing me with the names, addresses, and phone numbers of those contacted, or a copy of the original documents with my signature on them. It is clear that this is an automated response or e-Oscar verification method, which is unacceptable. I just dont understand how XXXX  has removed the account from my credit report while Trans Union refuses to even follow the simplest demands. Due to the information that I have and the frustrating process, I hope to resolve this issue effectively and efficiently.

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 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE COME ACROSS SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I DO NOT KNOW OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I AM A VICTIM OF IDENTITY THEFT AND I AM ASKING THAT AN INVESTIGATION TAKES PLACES SO THAT THIS MATTER CAN BE RESOLVED. PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: ID Analytics, Inc.
State: MI

Complaint narrative:
Applied for a car loan at auto dealership. Approved on the spot by XXXX. Credit score of XXXX or higher with all 3 major credit reporting agencies. A month later received letter from XXXX XXXX  of denial. Reason, credit score of XXXX from Sagestream. Every review I've seen says they are reporting people 's scores up to 300 points lower than all of the 3 major  companies. I want to know who are they and why would anyone use them. This happened last month, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation
State: AR

Complaint narrative:
COLLECTOR IGNORE CEASE AND DESIST AND BOUGHT TAX DEBT FROM INDIANA AND ILLEGALLY CAPTURED MY IRS  REFUND! JUST GOT OFF PHONE WITH THEM AND THEY CLAIM NO TAX LIABILTY IS PRESENT AND BECAUSE THEY SOLD SAID DEBT TO COLLECTOTS.SEE ATTACHED LETTERS.

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 2020-03-24 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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and the to print me out a copy. There are items on my credit that need to be removed as soon as possible. These are fraudulent accounts.

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 2020-03-24 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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and the to print me out a copy. There are items on my credit that need to be removed as soon as possible. These are fraudulent accounts.

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 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$290.00} from southwest credit on XX/XX/2019. This credit card is unauthorized transaction and maybe identity theft is considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
HSBC BANK HAS UNEXPECTEDLY CLOSED XXXX XXXX 'S PREMIER CHECKING ACCOUNT DURING A NATIONAL EMERGENCY AND IS CURRENTLY WITHHOLDING HER NEEDED FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im being charged and sent to a collection agency for the amount of {$390.00} due to some transactions that posted on the account but it was from previous days. These transactions were not approved and I closed the bank account previous to this. On the other hand, I received a letter from BB & T stating that the transactions returned due to no funds/account closed and no overdraft fee was charged??? Please explain to me why I was sent to a collection agency.

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 2020-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo Bank is reporting 2 fraudulent accounts on my credit reports. I have disputed these accounts several times and they were removed from my credit report. Wells Fargo is now re reporting them and is refusing to remove them. I have sent supporting documents proving these are fraud. They sent me documents claiming I made purchases the suppose signatures are not mine and or no where near my Signature!!!! I am able to send in documents showing my signature is totally different! I have sent police reports ID THEFT AFFADVITS and FTC complaint forms. Wells Fargo is not working with my at all in trying to resolve this matter. The following are the accounts that are fraud. 
1.Account Name WF BANK NA Account Number XXXX Date Opened XX/XX/XXXX 2.Account Name WF/XXXX Account Number XXXX Date Opened XX/XX/XXXX They need to look at the signatures because the signatures do not match mine.

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