vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax - An inquiry was submitted to Equifax from XXXX for my credit information. I disputed this inquiry because I did not authorize it. Equifax did not investigate to see if I had authorized or did not. Their investigation results were that I would have to contact XXXX myself and ask for it to be removed. I do not know who to contact nor should I have to. They should not put things on my report and should not give companies my credit information without my approval. Also, I had put a fraud alert on my credit to prevent things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: IN

Complaint narrative:
I have disputed this account multiple times. The company and the credit company XXXX refused to remove the account. They opened the account while I was in a chapter XXXX bankruptcy. They also provided documentation that appears to be screen shots of an application with them. However the bank account they provided I have never owned. Therefore, this account was not mine. They wont change the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KS

Complaint narrative:
I have been with LoanCare for the past 10 months and on XX/XX/XXXX i  refinanced my mortgage with another lender. LoanCare sent my escrow in to cover my taxes 10 days prior to close knowing I was in a refinance. The tax office sent a {$2300.00} refund back to LoanCares 3rd party tax office XXXX which in return sent the refund back to LoanCare once it was processed. LoanCare received the refund at their office on XX/XX/XXXX. I have called numerous times and spoke with 3 different supervisors who have stated that they have escalated the refund information to their tax office to issue a check to me. I have called everyday and get different information as to the status of my refund. XXXX received the refund from the county tax office back in XXXX after I closed.

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 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.

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 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.

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 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX based in Ohio is a debt collector that garnished my wages on XX/XX/XXXX from my employer. I contacted them and they informed me they had a judgement from XX/XX/XXXX. I told them I was not aware of any court dates and have never signed for any certified letters from them. They said they were collecting for 5/3 bank from a account I had back in XX/XX/XXXX that was closed XX/XX/XXXX. The account was closed due to 5/3 overcharging customers for overdrafts and there was a class action settlement in XX/XX/XXXX that I was part of regarding 5/3 unlawful banking frivolous overcharges. I submitted the correct paperwork to be in the lawsuit that was finalized in XX/XX/XXXX. I called 5/3 on XX/XX/XXXX and told them about the debt collection agency putting a wage garnishment on my check and they said they never sold the debt to XXXX XXXX XXXX they said XXXX XXXX XXXX bought the debt and XXXX XXXX went out of business and XXXX XXXX XXXX   probably bought it from them. XXXX XXXX XXXX said they don't buy debt and they are collecting for 5/3. 5/3 said my checking account was part of the settlement and XXXX XXXX XXXX  should not be collecting for 5/3 since it was paid out in the settlement the balance should be XXXX for overdraft charges. I was part of the XXXX XXXX dollar lawsuit in XX/XX/XXXX. I submitted my info to the XXXX web site in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: GA

Complaint narrative:
I have sent over multiple letters to Transunion with the last one being dated XX/XX/XXXX. I have asked that the following inquiries be removed from my report as I have not be provided anything showing I authorized them.

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/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 2018-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center
State: FL

Complaint narrative:
I received a call from Premier Student Loan Center for a forgiveness program with Dep of Education. I  think this is scam .I want to stop and report this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.

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 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX   balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.

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 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A company named portfolio recovery has placed a derogatory mark on my XXXX   credit report for a second time for a account with XXXX XXXX that I successfully disputed as a identity theft. They waited almost a year to re-add the derogatory mark and are once again attempting to seek {$550.00} for a debt that was established as a identity theft through a dispute with the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have numerous accounts showing that I have late payments that have fallen under Sallie Mae all in and around XX/XX/XXXX through when the name change to Navinet XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. Sallie Mae is listed 9 times 1. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. Sallie Mae opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. Sallie Mae opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. Sallie Mae opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. Sallie Mae opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. Sallie Mae opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. Sallie Mae opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX /XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to Navinet and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: GA

Complaint narrative:
I have sent multiple letters to Experian with the last being sent on XX/XX/XXXX.I have asked that the following inquiries be verified as authorized by me.

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2018-06-13 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: CA

Complaint narrative:
on XX/XX/XXXX bank of america charge from my checking account {$1300.00} and {$120.00} for legal fee. {$1300.00} is taken from Assessor Board Change of XXXX XXXX County. ON XX/XX/XXXX county of XXXX XXXX refund me full amount {$1300.00} because they charge me by mistake. after I got refund from them, I called the Bank of America to get {$120.00} service charge refund because whole situation was a mistake. unfortunately, they refused to give me money back because they say they did the all the paper works for the city to let the government to take away my money even thought they know its a mistake by government. Its really unfair for me. i felt i got robbery by bank of America for no reason. I don't understand why they have the right to charge me legal fee. bank should ask city to pay {$120.00} instead charged from my account.because they do the paper for city not for me.. 
but they refuse to give me money back. they want me to ask city to pay their service fee. 
, or i have to pay. and city won't pay this fee because they already credit back full amount to me of what they charge me. and city ask me to ask bank to refund the money because they are the one took my money now. 
I want to know if there have any way i get my money back. I show bank the latter that city send to me about the error they made. bank just shows me that is not their business. they did the paper work. so they have to charge. 
its so unfair.

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 monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom mortgage was the 3rd processor of my loan. In XX/XX/XXXX, i received a late payment on my 3 credit reports. I pay my mortgage online. I had asked initially about auto pay, but at the time it was down or disabled in XX/XX/XXXX. So every month i did it manually. They never send confirmations of payment. Somehow the process did not go through. They sent my XX/XX/XXXX statement and I called immediately stating I intended to pay but the money was not taken from my acct. 
I sent appeals letters with promise of a response. I signed up for there autopay however in researching the company it is no guarantee against problem with them. They promised a response which never came I called today, waiting on the phone for over 45 min to a response of " take it up with the credit reporting companies ''. 


I did not receive any calls for XX/XX/XXXX warning of no payment. 
XX/XX/XXXX, from any XXXX number. I also further researched this issue and corroborated this fact on the phone with a freedom mortgage agent today. Freedom Mortgage agent " XXXX ' '' '' also corroborated that there were no courtesy calls to me in the month of XX/XX/XXXX for a missed payment. 
The agent also mentioned it is a policy at Freedom Mortgage to make Courtesy calls to home owners when a payment is not received.

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