vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-10 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: NY

Complaint narrative:
Would like my fraud alerts removed

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 2019-11-10 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: NY

Complaint narrative:
Would like my fraud alerts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Would like my fraud alerts removed

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 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I would like my address and my social number on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I would like my address and my social number on file.

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 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I would like my address and my social number on file.

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 2019-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX XXXX and her husband originated a mortgage for their home in 2003. Over the last fifteen years the mortgage has been bought and sold by various lenders. Based on information and belief the last time it was purchased by Nationstar, doing business as Mr. Cooper. It appears that the loan was not credited with at least one payment when the loan was purchased. Mr. Cooper has had a history of reporting delinquent payments to the credit reporting agencies, when no payments were late, or in the alternative claiming payments where 60, 90, or 120 days late when they were 30 days late. Defendant has repeatedly threatened foreclosure, refused to accept and apply payments, demanded payments that were not due, misrepresented the balance due, threatened foreclosure when Plaintiff refused to enter into a 40 year loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NM

Complaint narrative:
A letter dated XX/XX/2019 was received from debt collector Williams & Fudge on an account receivable by XXXX  XXXX XXXX University. A payment plan negotiated with XXXX has been faithfully paid to on the account. XXXX never reached out to alert that there was any sort of problem, or that the debt was going out for collections. 

This is not a student loan, but is instead funds owed directly to XXXX for tuition after a scholarship had been retracted for insufficient GPA. No signed agreement was made outlying or accepting terms on a debt. 

Williams & Fudge has tacked on a 33 % fee on the account, the origin and acceptance of that specific fee as a penalty can not be determined. Neither notification of rights under state law nor a statement of their terms was provided, including a clause for time-barred debt and the significance on paying a time-barred debt. A statement of enforcability in a lawsuit was also not provided as is required by law per the NM Attorney General. 

I request that CFBP investigate the situation, the source, amount and legality of the debt collector fee, and compliance with federal and state law including FDCPA, NMCARA, New Mexico Unfair Practices Act, and NMSA 1978 Section 37-1-1 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: NY

Complaint narrative:
Transunion forgot to remove 3 inquires from previous complaint.

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 2019-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On Sunday XX/XX/XXXX I attempted multiple times to add a merchant to my bill payments on the mobile app as well as the website using my computer Citibank mobile app and website continue to have multiple issues after the system locked me out due to Citibank error I called into customer service and was provoked into a very hostile arguments regarding my account in which the customer service agent acted like he can not understand the card number I gave him or the phone number then I called back and got the same agent who act like he could not understand any English when he answered the phone he didn't know if he wants to ask my name phone number or card number the conversation went on tours 10 minutes when I said you know what let me talk to a supervisor because he wanted to continue playing games and then when he came back to the phone then he wanted to try to whisper that the car was being monitored or recorded so either way they have at this point purposefully I feel locked me out of my account and refuse me access to talk to a supervisor so that I can gain access to my own account privileges due to one rude and competent agent and Citibank having some system-wide error with their Mobile Banking and online banking system unacceptable

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 2019-11-10 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: NY

Complaint narrative:
There is an inquiry on my Equifax credit report that I am stating I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I fell behind last year and got into a payment arrangement where I was in a program. I had to make multiple payments at a reduced amount for 3 months. They advised me that I would not have to pay for two months and then would be back on my normal schedule. The months I was advised that I should have skipped were XXXX and XXXX. I made the XXXX payment instead of skipping. One person I talked to said I should not have made the XXXX payment and the next lady said it went to the XXXX payment for some reason. I want the payment that I made for XXXX to go for the XXXX payment since I was supposed to have been able to skip the XXXX payment but paid it anyway. The guidelines were unclear and I get different answers when I talk to the company. If I can have the payment that I was supposed to skip in XXXX, applied to the XXXX payment, I will be back on track completely and able to make payments on time from here on out. My next payment will be made on Friday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
I had an XXXX XXXX card through XXXX XXXX a couple years ago. I thought I paid the balance on the card but it still showed unpaid. I called XXXX XXXX ( XXXX - XXXX XXXX ) on Thurday XX/XX/19, I spoke with XXXX who stated that the unpaid balance was sent to NCI , a collection agency. I called NCI ( XXXX - XXXX - XXXX ). I spoke with XXXX. I told XXXX that I am willing to pay the amount I owe, {$370.00}. XXXX and the agency needs to email me a letter showing that I paid my debt. XXXX told me that there is no guarantee that the agency will email me a letter saying that I don't owe the money. XXXX put me hold so he can speak to his supervisor XXXX. XXXX returned and said, the agency will PROBABLY email me and if I don't receive a letter, I need to call back, but there is no guarantee. 
I am willing to pay the {$370.00} But I need a letter that proves that I paid the money which will increase my credit score. My question is : when One pays for something, should the person receive a RECEIPT automatically?

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 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Collection : Opened XX/XX/2016 ( 3 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX  Collections : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX In XX/XX/2016 I XXXX XXXX presented before XXXX XXXX XXXX XXXX XXXX  for medical treatment of XXXX  to XXXX  XXXX. Requiring XXXX, a follow up appointment was several weeks after and XXXX XXXX XXXX XXXX XXXX  proceeded with a collection mistakenly as during 1st visit cash payment was made and follow-up was to remove XXXX. 

Upon receiving a bill from XXXX XXXX XXXX XXXX IN XX/XX/2016, I contacted XXXX XXXX XXXX XXXX and was informed that the error was noted and would be fixed. However, collections continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Can you please unlock my credit file and remove my security freez permanently, I have been trying to unlock my credit to apply for an auto loan, but I haven't been able to. 
Thank you.

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 2019-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
this loan provide keeps on calling my number a lot of times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: NY

Complaint narrative:
Can you please unlock my credit file and remove my security freez permanently, I have been trying to unlock my credit to apply for an auto loan, but I haven't been able to. 
Thank you.

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 2019-11-11 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: NY

Complaint narrative:
Can you please unlock my credit file and remove my security freez permanently, I have been trying to unlock my credit to apply for an auto loan, but I haven't been able to. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
in XXXX, with my american express card, bought an XXXX  XXXX. the item was never received and ill send you proof. its already XXXX and amex isnt taking the amt off my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: NJ

Complaint narrative:
I have found account in my credit that are no mine, this maybe identity theft, these account should be remove from my credit inmediately.

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 2019-11-11 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: NJ

Complaint narrative:
I have found account in my credit that are no mine, this maybe identity theft, these account should be remove from my credit inmediately.

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 2019-11-11 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: NJ

Complaint narrative:
I have found account in my credit that are no mine, this maybe identity theft, these account should be remove from my credit inmediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I have found account in my credit that are no mine, this maybe identity theft, these account should be remove from my credit inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: Innovis
State: NJ

Complaint narrative:
I have found account in my credit that are no mine, this maybe identity theft, these account should be remove from my credit inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: LEXISNEXIS
State: NJ

Complaint narrative:
I have found account in my credit that are no mine, this maybe identity theft, these account should be remove from my credit inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
The company was XXXX XXXX the account was open XX/XX/2019 I have no idea where this came from! for the amount of XXXX called common wealth finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial is trying to bully me paying for a false dept that's not mine and also falsely reported this to XXXX claiming the I owe this and rewording it as a LOAN. THEY HAVE MADE MY LIFE A LIVING XXXX. THEY WON'T STOP CALLING AND HARASSING ME. THEY CALL FROM SEVERAL DIFFERENT NUMBERS THE RECENT IS XXXX. Amount there asking for is {$1000.00} From .... XXXX XXXX XXXX XXXX XXXX account number XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: ACIMA CREDIT, LLC
State: IA

Complaint narrative:
The company did not update the account with the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXX XXXX Amount XXXX Open XX/XX/XXXX This account has not been showing on my credit report previously This account has been deleted for about 4-5 years now and somehow reappears on credit report in XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Podium Mortgage Capital LLC
State: OR

Complaint narrative:
I was notified first part of XXXX that my mortgage service did not receive payment for XXXX. 
i supplied them with proof, check image front and back, that it had indeed been processed by them. 20 some phone conversation with them and i has not been resolved. 
XXXX XXXX should be looked into for miss-management, incompetent handling of peoples money, and possibly fraud or money laundering. i don't know what's going on there but i have no way out and am XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
XX/XX/XXXX We had debt collection going on heavily since I, XXXX XXXX Lost my job due to absence from severe sudden XXXX resulting from illness. One income ( XXXX ) was not enough to pay the bills. We were garnished to the max, didn't know that we could fight it. The kicker was that the debts would be passed around after I would write the judge to let them know that I have to eat at church and get baskets from various food pantries to make it but I had XX/XX/XXXXand I was ill, couldn't keep up ... so I asked for it to end. ( this was from XXXX - XXXX ) The judge ended it - and only then in XXXX did we realize that KOHN law firm [ who was very very very horrible mannered when we asked for reduction or for them to stop on our own ] Over-garnished monies by far.. They sent us the over-payment sheet XXXX XXXX XXXX did The Amount of payment was XXXX. The judgement was XXXX. 

We paid them XXXX, XXXX The Judgement XXXX Owed to XXXX XXXX I remain very ill but I am finally able to stay home long enough to get through some of these things that have been weighing me down. I have a home to save. This company has since garnished XXXX check and did so just a few months ago. Rather than use the access funds, they took more. I was struck suddenly with such severe XXXX and illness. We are almost there as far as clearing debts without bankruptcy. We can't get anywhere with this company in this amount of time and it was impossible to file any sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX : I disputed the amount owed because this company entered into an agreement with me that was to pay back a prior debt. 

Unaware that this company was charging $ XXXX/month fee for simply having an account. 

Disputed this issue iXX/XX/XXXX/XX/XX/XXXX and rather than attempt to resolve issue, company reported my payment as late to credit bureaus. 

From XX/XX/XXXX-XX/XX/XXXX, 0 late payments with exception of month in dispute. Company refused to remove delinquent payment from credit reportaccount and payment were not delinquent, simply in dispute. 

I believe the monthly charge of {$7.00} was fraudulent and I believe that the refusal to remove the late payment ( while disputing this charge ) was fraudulent.

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