vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have reported 5 times that the accounts from XXXX XXXX XXXX, Best Buy/CBNA AND XXXX XXXX XXXX and XXXX XXXX was not opened by me. I have tried to dispute these matters multiple time. I am XXXX years old and I am trying to build my credit. The only thing on my credit that should have been authorized by me is my student loans and my XXXX  XXXX XXXX checking account. Everything else is False and my parents tried to open in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: GA

Complaint narrative:
I would like to add to an existing complaint. Complaint No. # : XXXX. XXXX XXXX XXXX sent me a letter on XX/XX/2019 claiming they have conducted an investigation into my complaint stating that they can't substantiate the allegations brought against them specifically providing validation of my signature showing that I have some obligation to pay them a debt owed. They still have failed to provide any validation of my signature on any loan or debt obligation to XXXX XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: FL

Complaint narrative:
Hello, I was not able to provide a lot of information on the company I am filing a complaint against ( Complaint Number : XXXX  ), because I was not able to find anything on the company, but thanks to the XXXX  XXXX  XXXX, I have found their alternative company name, the owner of the company, and the address of the company in question : XXXX XXXX or Activehours, Inc. 

Business Details Location of This Business XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX   File Opened : XX/XX/XXXX Years in Business : 5 Business Started : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in CA Accredited Since : XX/XX/XXXX Type of Entity : Corporation Number of Employees : 150 Alternate Business Name Activehours, Inc. 
Business Management XXXX XXXX, CEO XXXX XXXX, Vice President of Customer Service Attached is a Word Document & the PDF version of my bank statements regarding the previous claim # XXXX-XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
My student loan account was transferred to a higher education government student loan official at which Wells Fargo has yet to provide the credit bureaus with accurate information regarding said loan. These accounts with Wells Fargo were close in XX/XX/XXXX since then the accounts were brought current and have been paid off since XX/XX/XXXX from here I first reached down. To get this corrected in XX/XX/XXXX at which point I was told XXXX XXXX XXXX through the government would needed to be contact to get the issue resolved I have reached out to them and again was told that Wells Fargo needed to correct the situation. I again try contacting Wells Fargo in XX/XX/XXXX and they stated the same thing the higher education services would have to take care of the reporting to the beauers. Government officials have the current loan payments and payoff information reported correctly on their side. I've disputed these accounts multiple times with no luck and getting it resolved so in XX/XX/XXXX I began to research XXXX XXXX XXXX could you help me correct my credit reports the fees associated with the law firm Are {$110.00} a month until credit report are up-to-date into my satisfactory they have no way of knowing exactly how much it will end up costing as it is a month to month fee with this being said I again reached out to Wells Fargo on XX/XX/XXXX and again explain the situation and they Place nothing but blame on the most recent agency that held the accounts for my higher education! It is very clear on my reports to whom is at fault on these loan documents. I would like some serious investigation done without having to cost me any additional fees or headache

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 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
In around 2010 I started a phone line with XXXX. I was unable to pay the final balance and was recently reminded by a letter over 8 years later. There is a derogatory mark on my credit report through XXXX  which was from about 8-9 years ago now. I never received this information until recently and though it is still owed this should have fallen off of my credit report by now. I recently had to pay medical bills and pay all of my credit cards on time but this derogatory mark is making it hard for me to really improve my credit. I will continue to work to pay this old balance off but until then it is hard for me to get a good credit card or even an apartment lease. If XXXX would remove this mark from my credit report it would allow me to take the next steps in improving my credit and paying off all of my debt.

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 2019-06-24 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: LEXISNEXIS
State: GA

Complaint narrative:
I have mailed several certified letter disputes requesting XXXX XXXX and lexis Nexis to verify USBK court # XXXX. Each time there response VERIFiED as accurate. I asked for documents and signatures of the original creditors on file that this information is mine and correct. They never provided the information and i advised them to delete the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: OH

Complaint narrative:
The Items below, belong to someone else not me. These items are stopping me from buying a home XXXX # XXXX for the amount {$990.00} XXXX # XXXX for the amount {$970.00} XXXX # XXXX for the amount {$900.00} XXXX # XXXX for the amount {$690.00} XXXX # XXXX for the amount {$650.00} XXXX # XXXX for the amount XXXX XXXX XXXX XXXX XXXX # XXXX for the amount {$440.00} XXXX XXXX XXXX # XXXX for the amount {$320.00} XXXX   # XXXX for the amount {$220.00} XXXX # XXXX for the amount of {$190.00} XXXX XXXX # XXXX for the amount of {$160.00} XXXX # XXXX FOR THE AMOUNT OF {$120.00} XXXX # XXXX FOR THE AMOUNT {$120.00} XXXX # XXXX FOR THE AMOUNT {$100.00} XXXX # XXXX FOR THE AMOUNT {$84.00} XXXX # XXXX FOR THE AMOUNT {$62.00} DEPT OF ED XXXX XXXX # XXXX FOR THE AMOUNT {$6300.00} XXXX XXXX XXXX XXXX XXXX # XXXX THE AMOUNT IS {$0.00} us dept of ed/XXXX/XXXX # XXXX for the amount {$3700.00} us dept of edXXXX # XXXX for the amount {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: OH

Complaint narrative:
The Items below, belong to someone else not me. These items are stopping me from buying a home XXXX # XXXX for the amount {$990.00} XXXX # XXXX for the amount {$970.00} XXXX # XXXX for the amount {$900.00} XXXX # XXXX for the amount {$690.00} XXXX # XXXX for the amount {$650.00} XXXX # XXXX for the amount XXXX AD XXXX XXXX XXXX # XXXX for the amount {$440.00} XXXX XXXX XXXX # XXXX for the amount {$320.00} XXXX   # XXXX for the amount {$220.00} XXXX # XXXX for the amount of {$190.00} XXXX XXXX # XXXX for the amount of {$160.00} XXXX # XXXX FOR THE AMOUNT OF {$120.00} XXXX # XXXX FOR THE AMOUNT {$120.00} XXXX # XXXX FOR THE AMOUNT {$100.00} XXXX # XXXX FOR THE AMOUNT {$84.00} XXXX # XXXX FOR THE AMOUNT {$62.00} DEPT OF ED XXXX XXXX # XXXX FOR THE AMOUNT {$6300.00} XXXX XXXX XXXX XXXX XXXX # XXXX THE AMOUNT IS {$0.00} us dept of ed/XXXX/XXXX # XXXX for the amount {$3700.00} us dept of edXXXX # XXXX for the amount {$2200.00}

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 2019-06-24 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: SC

Complaint narrative:
SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the XXXX breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.

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 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
Received notice that a collection account was opened by Sequium Asset Solutions , LLC. for a debt " owed '' to XXXX in the amount of {$48.00}. I never received a phone call, email or notice in the mail. The same amount was sent to collection last year. The charge was disputed because I did return my equipment. XXXX credited back my account and the debt was removed from my credit report. I initally paid the {$48.00} owed to XXXX and they issued a refund when they received the credit update from XXXX. Now, I am in collection for same amount as last time. XXXX did not remove the debt from their system and once again, sent me to collection. Attached is the previous report from the last dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Working with Shellpoint Mortgage Company on a loan modification since XX/XX/2019. 
The loan modification was denied on XX/XX/19, but in the loan modification denial letter it states I have until XX/XX/19 to submit an appeal letter. 
The appeal letter was submitted on XX/XX/19 to Shellpoint Mortgage loss mitigation department. 
Received two certified letters from USPS today XX/XX/19. The certified letters were dated XX/XX/19. Attached to the letters were Foreclosure filings with the County of XXXX on XX/XX/19 @ XXXX XXXX with fees of {$100.00}. 

How can this be when the loan modification appeal is not completed and I submitted the appeal before the XX/XX/19 deadline?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
This complaint is for a debt collector company name " EOS '' Around XXXX I attended XXXX University graduate XXXX, and now XXXX the school long been close for fraudulent activities but ever since late XXXX my mother been receiving robocalls from EOS company, they are stating that she has cosign for me when I attended that Fraudulent school " XXXX University/XXXX  '' back in XXXX when supposedly the lawn were so-called taking for the amount of {$4000.00} which now become {$5000.00}!!! Who had long shut their doors for lawsuits against them for misleading people by attending they're so-called UNIVERSITY. 
I was unaware of these robocalls to my mother! Today after answering one of the EOS Operative impersonating to be a lawyer, and a debt collector. Who stated that if I Am XXXX XXXX which I reply Yes, and give my new address which I just move in with my wife about last month on XX/XX/XXXX to be exact! Then I tried to complied with him and he was being very rude too. Then that trouble my mind so I call them again to tried to get some more info from them but this time a lady pick up! They even tried to say that they have spoke to me on several occasion which I have no knowledge off because after I contact my mother! She indeed told me shes tired of these people tried collect a lawn that we don't even remember taking from that XXXX school! But again it's " XXXXXXXX '' affiliates! They even mention to me they have repurchase the lawn from another lender after 12 years! To tried collect the debt that is in collection ... it's company like that! That make this generation believed in that new " College is a Scam '' movement. Because of robo calls and malpractices on they're way of going and tried to accused people and kept them in bondaged that they knew not or debt that have may have been long expired. Please I will like for CFPB to assist me on this matter. 
I and my mother truly don't know about that lawn she have cosign on my behalf 12 years ago. The company tell me over the phone that! I'm in collection which not true! And if I am they may have reported that XXXX so-called debt of there's today XX/XX/XXXX after pick up they're anonymous call. I know nothing of that Private School lawn that XXXX may have misused my information without my consent! Honestly don't know All I know is that I have school lawn with " XXXX XXXX '' Now become XXXX! And been making my payments etc ... Truly I wasn't aware of that so-called private till to day. 
So Please CFPB I need help resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: VA

Complaint narrative:
We just closed on a VA Mortgage loan ( $ XXXX ) with XXXX XXXX  XXXX on XXXX XX/XX/2019 who immediately transferred our loan to XXXX XXXX XXXX ( XXXX XXXX ), see attachments. We were notified about this transfer via letter from XXXX XXXX on XXXX XXXX and XXXX XXXX also provided evidence of the servicing transfer. Around the exact same time, we started receiving vague notices from XXXX XXXX XXXX XXXX ( based in XXXX XXXX or XXXX ),  without them ever being mentioned by XXXX XXXX  our original servicer, which made our new homeownership a little confusing on who to pay. However, I contacted XXXX and XXXX XXXX to confirm the account transfer and set-up. I also contacted XXXX to understand why they were sending me billing notifications, all of which at first alluded to an incomplete loan number/account. When you call their primary customer service number ( XXXX ), their automated system is surprisingly sophisticated and it continuously asks for an account number ( which I don't fully have per their correspondence ) or your for your Social Security number. The latter I did not provide. After about 10-15 minutes of the system routing you in circles, you finally get transferred to a half-asleep, unprofessional attendant that asks for the same info. The only information I provided was an address and she stated I did not have an account. 

But my real problem is that XXXX XXXX XXXX has posted a duplicate mortgage for an outstanding amount of $ XXXX on my credit report and continues to send me fraudulent billing notifications. I need immediate help to resolve this problem and fix my credit report before they destroy my score. 

Info : XXXX XXXX XXXX XXXX, sub servicing by XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Collections ( XXXX ) XXXX Other agent number ( XXXX ) 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 2019-06-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Texas Guaranteed
State: MO

Complaint narrative:
received document from the company ( trellis company ), stating that they had acquired a delinquent student loan debt from another company. I received this notice on XX/XX/19, however the letter was dated, XX/XX/19. With that, the letter states that they ( trellis ) acquired this debt from another company ( XXXX ) who was well aware of the fraudulent nature of this student loan, as I not only have never taken out a student loan, I have never been a student outside of receiving a free public high school education. Thus making it more than impossible for me to incur student loan debt. Trellis Company has threaten to tarnish my credit score, by reporting this erroneous baseless account, as well as garnish my wages. Ultimately, Trellis company is attempting to collect XXXX for a student loan, that i never received, did not consent to, and had no knowledge of. I have sent them the original police report associated with the original fraudulent account, as well as, a letter explaining my position.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: SC

Complaint narrative:
I'VE SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the Equifax breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED. XXXX has already removed these items, and I'm waiting for XXXXXXXX XXXX   update as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX i recieved an email that i was going to receive a card that i did not request. On XX/XX/XXXXi received an email that the card was on its way and i had no idea what it was talking about. OnXX/XX/XXXXi got a card in the mail and im afraid i will be charged fees on a card that i did not apply for

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 2019-06-25 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: GA

Complaint narrative:
I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX XXXX card service is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX  XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXX card service act 104298. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " Equifax XXXX XXXX XXXX and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
My mortgage was with XXXX during this time with XXXX there was a mix up with my escrow stating that the escrow account had a shortage of XXXX. XXXX did a escrow analysis and found that the shortage had been paid this happened in XX/XX/XXXX.So now that XXXX transfered my loan to Loancare in XX/XX/XXXX Loancare is stating I have a escrow shortage.I have reached out to Loancare they did a escrow analysis stating i have the shortage.

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 2019-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sent a XXXX dollar check to pay off lease. Check was cashed but not applied to end of lease fee. Chase stated that they sent me letters to pay for auto property tax. I did not receive a bill to pay for taxes but yet they have electronic records of letters. My account was sent to collection agency for the recovery of XXXX.

Company response to consumer: Closed with explanation