vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 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: NC

Complaint narrative:
In XX/XX/2018 I mailed a dispute to Trans Union regarding XXXX account with a balance of {$320.00} that I never owned. I contacted XXXX, and they confirmed that there was no debt with my name within their records. I am requesting that Trans Union does their job accurately confirm this debt doesn't belong to me and that that bureau remove this debt from 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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A robo-caller from XXXX has been calling me for over a year, offering a better rate on my credit card. They called again today XXXX, XXXX. I am not given an option to opt out of the calls. 

I generally ask the caller who they work for, how they know about my credit, whether they know my name. Normally this conversation ends with the caller cursing me out in colorful language. The last couple of calls, when I asked to be put on the do not call list, they told me Experian loads their call system. 

I am on the national do not call registry and should not be getting these calls at all. If Experian is involved in promoting robo-calls, I expect the government to shut them down. 

Can you help with this issue? 

Thanks

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 2018-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My hardship started when I lost my job and had a decrease in household income. I attempted several times to request for a modification with my mortgage company but to no avail. I provided documents to them over and over again and attended conference and yet I keep getting missing doc letters that ask for the same items ( income ) just recently a delay in judgment was place for XX/XX/XXXX in order for me to provide again my paystubs. This was emailed to lenders attorney yesterday and was told everything will be placed on hold. I understand I should have been given 30 days for review of an option not 11 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LINCOLN MORTGAGE COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX XXXX : Case # XXXX : XXXX XXXX Dear Mr./Ms. XXXX XXXX, XXXX, Thank you for following up with XXXX  regarding your position in the above-mentioned dispute. 

We understand you are NOT satisfied with the business 's response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX  with its position. This matter is now closed in XXXX files, and will appear in the company 's XXXX Business Review as : " Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied. '' Please note, the text of your response may be publicly posted on XXXX 's website. XXXX reserves the right to not post in accordance with XXXX policy, and we may edit your response to protect privacy rights and to remove inappropriate language. 

We appreciate the opportunity to be of service, and sincerely hope you will contact us for pre-purchase information. 

Sincerely, XXXX  Dispute Resolution Department The owners of the property, XXXX XXXX XXXX, through their agent, XXXX XXXX improperly ran my credit twice before I became a resident. Their inquiry is listed as a " hard inquiry '' even though, I was approved the moment I went in. To this day, they refuse to acknowledge their perverted acts perpetuated by their agents and their leasing staff. 

Once I attempted to gather information to begin a private business, in their facility, they salivated to help, however they only did so when their was no one else around. I shared my business idea with countless people in their front office and told them of my situation, however, instead of attempting to assist when their payment system was down they cahrged countless fees and attempted to evict me BEFORE checking to see why I was unable to unpay. 

Their actions, in conjunction with the Texas Workforce Commission and XXXX XXXX at the insurance company tasked with assisting me following my XXXX XXXX XXXX are the reason I was unable to pay. 

Their negligence lead to XXXX XXXX being fraudulently taken by XXXX XXXX and their agents. Their negligence is responsible for my " eviction '' and instead of helping, they threatened to evict me over 2 noise complaints.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
OUR MORTGAGE COMPANY IS TRANSFERRING THEIR MORTGAGES OVER TO ANOTHER MORTGAGE COMPANY AND HAS NOT GIVEN US 30 DAYS NOTICE YET. THEY HAVE NOT GIVEN US A LETTER YET AND THEY ARE TRANSFERRING OUR ACCOUNT OVER ON XX/XX/2018, AND THEY SAID THAT WE MAY HAVE TO MAKE A ONE TIME PAYMENT OVER THE PHONE WITH THE NEW COMPANY AND HAVE NOT EVEN GIVEN US ANY INFORMATION ON THE NEW COMPANY OR OUR NEW ACCOUNT NUMBERS, WE HAVE NOT RECEIVED ANYTHING FROM THE CURRENT COMPANY NOR THE NEW COMPAMY THEY ARE TRANSFERRING US OVER TO. WE HAVE RECEIVED NOTHING IN THE MAIL. I THINK THAT IS WRONG OF THEM TO LEAVE US STRANDED LIKE THIS AND IT IS THE MIDDLE OF THE MONTH AND WE HAVE NOTHING IN THE MAIL YET. THAT IS UNPROFESSIONAL AND UNETHICAL AS A BUSINESS AND THE COMPANY SHOULD MAKE SURE THEIR CLIENTS ARE TAKEN CARE OF BEFORE THEY HAVE DELETED US FROM THEIR SYSTEM AND TRANSFERRED US OVER TO THE NEW COMPANY, IT IS VERY BAD BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX from Dynamic Recovery Solutions regarding a debt I had never heard of. When asked he said it was from XXXX XXXX? a company i do not know. I asked him how old this debt was and he said it was from XXXX, thus clearly barred. He said he was from XXXX, SC and his phone number was XXXX. He told me it was a valid debt and I had to pay it. He indicated he was working for some finance company who had obviously bought worthless debt and he was pursuing it. Beware!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 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: CA

Complaint narrative:
IDENTITY THEFT NOT RESOLVED Source XXXX  Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name WELLS FARGO DLR SVC/XXXX XXXX Phone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX State NC Zip 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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uber Technologies Inc.
State: TX

Complaint narrative:
XXXX  and XXXX has been spying through my old XXXX XXXX XXXX XXXX since I bought it back in 2013 in XXXX. I used to own a XXXX XXXX which was totaled in XXXX, IL. 

I used the money from my XXXX to purchase the XXXX. The XXXX was my only mode of transportation and carried me on countless trips back and forth to XXXX XXXX, and the Texas area. I no longer own the car, however, I continued to receive " promotional '' content regarding the vehicle. I believe XXXX  and XXXX are spy agencies geared towards controlling the world using their drivers, cars, and illegal XXXX XXXX XXXX   schemes to force the world to think, act, and believe anything they say. I will never work for them again in any capacity, and ever since I began working for them, I have been unable to escape their greedy illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LINCOLN MORTGAGE COMPANY
State: TX

Complaint narrative:
XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include DPD Office XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I had sent two ( 2 ) Certified letters on XX/XX/2018 and XX/XX/2018 to XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, SC XXXX requesting them to send me a " validation '' ; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. Never heard from them nor gotten any correspondence back from them. Instead, I noticed that they had indicated on their remark section for XXXX  that " Account information disputed by consumer, meets FCRA requirements ''. XXXX and XXXX had not been reporting said collection account anymore. Since XXXX failed to produce requested documentations, I simply want them to completely remove said collection account. If needed, I can submit said copies of above mentioned Certified letters with respective return receipts. 
Lately, it seems like Resurgent Capital Services had join the fracas of sending me notice of trying to collect on the same item without involving any of the credit bureaus. 
Presently, only XXXX  is the only one still bearing said collection item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
IDENTITY THEFT NOT RESOLVED Source XXXX Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX XXXXhone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX XXXX NC Zip 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 2018-10-12 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: CA

Complaint narrative:
IDENTITY THEFT NOT RESOLVED Source Equifax XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX NC Zip XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 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: CA

Complaint narrative:
IDENTITY THEFT NOT RESOLVED Source XXXX Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX Phone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX XXXX NC Zip 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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include XXXX XXXX XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include XXXX XXXX XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have attempted to use IBR to payback loans through UHEAA and I have been unable to access my XXXX loan servicing. Each time I attempt to contact them when the loan is due they have a reason for why I can not access the system. 

I have worked publicly, very publicly, for the XXXX XXXX since XX/XX/2011. I have been unable to actually receive just compensation for my time and ideas. I have served this country in various offices across the land. I do not think it is fair that because I have had some XXXX XXXX breakdowns due to the sheer magnitude of this countries problems that my law school debt has increased almost XXXX. 

It was my assumption under FCRA guidelines that loans are to be forgiven for inaccuracies and health conditions. I do not owe UHEA or XXXX anything because I am XXXX XXXX. An actual XXXX   of this country and this land. I should have never had to pay a dime. 

It is not my fault that XXXX XXXX XXXX and all those connected to him are trash individuals that refused to properly obey the law or respect women. I should not be associated with them and their past violent acts against women. It is categorically unfair to be named a XXXX. and still be responsible for the sins of forefathers you have never really met, nor wanted to meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name FORD MOTOR CREDIT CO . 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened my Kohls credit card about 3 years. Since then I never used the card. The card has been sitting inactivated for years with a XXXX balance. On XX/XX/2018 I received a call from Kohls saying that my payment was past due. They stated that someone made a purchase at a store in XXXX in XX/XX/2018 for the amount of XXXX dollars. After late fees the balance added up to XXXX dollars. Immediately, I filed a fraud claim because that transaction was not made by me. Kohls confirmed it as fraudulent and removed the balance along with late payment fees. They explained to me that they would file a report with the bureaus and I also filed a dispute with XXXX. The case on both ends closed XX/XX/2018 and I was told that Kohls failed to remove the late payment from my credit report because they deemed it my responsibility. I then contacted Kohls but no one could explain the reason for this. I am now filing this complaint because I don't believe I should be responsible for a payment I had no idea was due. I also did not receive any statement or alert until XXXX. I am in the middle of trying to purchase my first home and this fraudulent incident really hurt my credit score which is going to cost me a lot of time and money for something I had no control over. The longer it takes the more my credit situation suffers and I subsequently pay more for interest and mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) in Colorado charged me correctly for using a toll road on XX/XX/XXXX. I thought nothing of it expecting a bill for ~ {$5.00} in the mail. Nearly a year later on XX/XX/XXXX I receive a notice that I was sent to collections for {$50.00} on XX/XX/XXXX. I never once received the bill or was given notice of failure to pay. XXXX made XXXX effort to contact me, and instead seems to be using debt collectors as a racket to increase the fees they charge on their roads. A cursory XXXX shows a multitude of similar complaints against them in the news, and seems to establish a trend of predatory and fraudulent behavior by this company, hence this official complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX sent a letter to me say they are trying to collect a overdue debt from XXXX XXXX at the address of a house I own but do not live at. I lease the house to another person. I explained I used XXXX and never had internet or cable from XXXX. And that I have not liver their for years. They sent the bill for XXXX for one month for a phone bill on a land line that I disconnected years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX and XXXX have had data breaches since I have been on their servers. Ever since I branded my company through their servers I have had the toughest time keeping them out of my inbox and out of my business. I do not trust them, their subsidiaries, or anything else involving " friends '', " business associates '' or anyone else named herein. 

Additionally, XXXX, XXXX and their subsidiaries have sampled, used, and reproduced my material without permission or actually keeping count of my plays, listens, or promotions. 

They, in conjunction with XXXX, have continued to suppress my free speech since college. Their ad-space is cheaper for politicians than they are for struggling students and single mothers across the globe. I don't trust them or anything they provide to the community. The ONLY reason my accounts are still available to this day, are because I like to listen to music and think about life.

Company response to consumer: Closed with explanation