vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a credit report dispute with the XXXX XXXX and Transunion. I have inaccurate information reporting on my credit reports and it is hindering my ability to obtain credit. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a credit report dispute with the XXXX Equifax and XXXX. I have inaccurate information reporting on my credit reports and it is hindering my ability to obtain credit. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have inaccurate information reporting on my credit reports. I filed dispute and it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My first dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage sold the property on XX/XX/2016 for {$120000.00} in which at the sale of the auction there was only {$110000.00} owed at sale in which wells fargo home mortgage owed me back {$14000.00} dollars back at sale at Auction. I have mailed several letters over the las 4 years with no response from wells fargo home mortgage certified in regards to this matter. I have also filed with the US Attorney office regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/2020 Midland Credit Management sent a pre legal no it's threatening to sue my XXXX   son. They have been sending pre-legal letters for the past seven months and threatening to withhold his social supplemental income check. 

Midland credit management is aware that people receiving social supplemental income is judgement proof, however that has not stopped them from threatening to sue my XXXX, XXXX son. 

This has caused for him to relapse in his mental progress as his XXXX and XXXX has gotten worse. However, Midland Credit Management does not care and have been putting pressure on our entire family. Midland Credit Management has already sued me, his mother, now they are threatening to sue my XXXX, XXXX son.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have inaccurate information reporting on my credit reports. I filed dispute and it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My first dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have inaccurate information reporting on my credit reports. I filed dispute and it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My first dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was scammed on XXXX for the total amount of {$600.00}. Charges were made in the amount of {$250.00}, {$150.00} and {$200.00}. I was supposed to receive a service and never got it. XXXX XXXX   admitted the person was a scammer and didn't do anything about it. This happened around XX/XX/XXXX. My bank denied my claim because I did authorize the charge, however it was a scam. I also received a generated email that looked like payment was sent from XXXX that said money was sent, which is why i believed it to be real.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attorney General is reporting that my account is delinquent and that I owe a balance. The child that it's reporting on is in my XXXX and has been since XXXX of XXXX. I called in XX/XX/XXXX to request a modification and nothing happened. I called again in XXXX to request a modification again. They agreed and asked if I wanted the payments to be held or to be continually dispersed to the other parent. I asked that they be held. The payments have continued to come out of my paycheck and held by Attorney General until the case could be closed. The problem is that even though they are garnishing payments from my check and holding them, they are also reporting the payments as delinquent since XX/XX/XXXX. I called XX/XX/XXXX and asked that they stop reporting negative and balance owed. They said to just dispute it and they would correct it. I have disputed 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are still reporting delinquent and a balance owed. 

In the mean time me and the other parent signed to have payments stopped in XX/XX/XXXX. I was told 3 months max would correct everything. I called in XXXX to see what was going on and was told at that time that aa lawyer didn't like the agreement a denied it back in XX/XX/XXXX. I sent a complaint and was told they would push it through. 
I called XX/XX/XXXX and was told that a judge signed the agreement on XX/XX/XXXX and they were awaiting the documents from the district clerk. I called XX/XX/XXXX and now they're saying they don't have a record of a judge signing anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have filed 5 disputes with the credit reporting agencies in regards to this inaccurate and horrendous account on my credit profile. I have asked them to send me the method of verification pursuant to section 611 of the Fair Credit Report Act. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Attorney General is reporting that my account is delinquent and that I owe a balance. The child that it's reporting on is in my XXXX and has been since XXXX of XXXX. I called in XX/XX/XXXX to request a modification and nothing happened. I called again in XXXX to request a modification again. They agreed and asked if I wanted the payments to be held or to be continually dispersed to the other parent. I asked that they be held. The payments have continued to come out of my paycheck and held by Attorney General until the case could be closed. The problem is that even though they are garnishing payments from my check and holding them, they are also reporting the payments as delinquent since XX/XX/XXXX. I called XX/XX/XXXX and asked that they stop reporting negative and balance owed. They said to just dispute it and they would correct it. I have disputed 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are still reporting delinquent and a balance owed. 

In the mean time me and the other parent signed to have payments stopped in XX/XX/XXXX. I was told 3 months max would correct everything. I called in XXXX to see what was going on and was told at that time that aa lawyer didn't like the agreement a denied it back in XX/XX/XXXX. I sent a complaint and was told they would push it through. 
I called XX/XX/XXXX and was told that a judge signed the agreement on XX/XX/XXXX and they were awaiting the documents from the district clerk. I called XX/XX/XXXX and now they're saying they don't have a record of a judge signing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have filed 5 disputes with the credit reporting agencies in regards to this inaccurate and horrendous account on my credit profile. I have asked them to send me the method of verification pursuant to section 611 of the Fair Credit Report Act. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have filed 5 disputes with the credit reporting agencies in regards to this inaccurate and horrendous account on my credit profile. I have asked them to send me the method of verification pursuant to section 611 of the Fair Credit Report Act. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2020 I was scammed out of more than {$2500.00} at XXXX of XXXX XXXX, a XXXX XXXX XXXX XXXX. I was sold a car care accessory and extended service contract under false pretenses. I tried to cancel both and was told they would, they didnt. When I went back in they tried to change terms of finance agreement, I would only sign if they took of the products I was duped into signing for. I resigned a total of 3 finance agreements. I spoke with General Manager of Dealership on XXXX XXXX and he took money off the price of the car as a compensation for my time and frustration, then today, XX/XX/2020. I get my first correspondence from my auto loan company with a different amount a higher amount and different payment and amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I filed chapter XXXX Bankruptcy in XX/XX/XXXX and received discharge XXXX XXXX XXXX. One of the debts discharged on that date was XXXX XXXX XXXX XXXX. XX/XX/XXXX it was placed for collection with Portfolio Recovery. 
I've reached out to them and all 3 credit bureaus and submitted supporting documents to no avail. On XX/XX/XXXX XXXX I received mail from XXXX verifying the account as accurate and updated. How can it be accurate If a judge in a court of law ordered it discharged and no representative from XXXX XXXX or anywhere else showed up to contest it? This is reflecting negative on my credit reports and I'd like it removed promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TX

Complaint narrative:
FTC Violations I never live at these addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX PASS XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Names is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICES CAPITAL XXXX BANK 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 2020-07-26 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: TX

Complaint narrative:
FTC Violations I never live at these addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX PASS XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Names is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICES CAPITAL XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am writing to request assistance regarding my student loan. My student loan started in XXXX at XXXX and is now over XXXX. My current payment is over XXXX. Since XX/XX/XXXX, I have paid {$4400.00}. Out of {$4400.00}, only {$310.00} has been applied to the principal. There is no way that this agency or Navient, can think that is fair or acceptable. At some point, there should be an acknowledgment that this should not be allowed. When I was struggling financially, I was never told about income-based payment plans. I was always placed on forbearance. I filed for bankruptcy in XXXX and the loan was not included. I am asking for assistance in either loan forgiveness since I have been paying for over 25 years or loan reduction. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: The CMI Group, Inc.
State: CA

Complaint narrative:
All three credit reporting agencies are running inquirys w/o my consent. Experience at XXXX XXXX CA has been running my credit reporting routinely even twice to three times a month for unknown reasons to me. A wrong social security number has been added on my credit report personal information stated as XXXX. This is incorrect. Credit management services company is posting a balance of {$93.00} this is not my account States the acct was opened on XX/XX/XXXX with XXXX XXXX. We are in XXXX XXXX CA area and charter is not an option in our new place of domicile. A victim fraud altert statement was modified w/o my consent on my XXXX   report adding an unknown number as XXXX and adding a statement to make contact with this unknown number to me each time credit request is submitted, and each time changes are made eff : XX/XX/XXXX. I did NOT ADD THIS STATEMENT TO MY CTEDUT REPORT. IT IS A XXXX XXXX FAMILY WHI IS STALKING & HARASSING ME THEY ARE CON ARTIST AND VERY DANGEROUS. NAMES INVOLVED : XXXX, XXXX, XXXX, XXXX, XXXX ( former leasing agent ), XXXX IM A VICTIM OF HATE CRIMES & THESE PEOPLE ARE TARGETING ME FOR HARASSMENT & FRAMING PLOTS, per OCSD in CA.

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 2020-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed chapter XXXX Bankruptcy in XX/XX/XXXX and received discharge XX/XX/XXXX. One of the debts discharged on that date was Macy 's Department Store. XX/XX/XXXX it was placed for collection with XXXX XXXX. 
I've reached out to them and all 3 credit bureaus and submitted supporting documents to no avail. On XX/XX/XXXX XXXX I received mail from XXXX  verifying the account as accurate and updated. How can it be accurate If a judge in a court of law ordered it discharged and no representative from Macy 's or anywhere else showed up to contest it? This is reflecting negative on my credit reports and I'd like it removed promptly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: NY

Complaint narrative:
Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: TX

Complaint narrative:
FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ALLY FINCL {$0.00}

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 explanation