vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 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: TX

Complaint narrative:
On XX/XX/19 I disputed the XXXXXXXX XXXX XXXXXXXX account with Transunion and demanded a deletion. Transuinion verified that the debt was valid. XX/XX/19 I requested the method of verification from Transunion. They never provided the documents. They only updated the account was verified. I also requested validation documents from XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX did not provide the documents I requested. Clearly if they didn't provide them to me. They didn't provide them to Transunion. Transunion has failed to provide a throrough investigation of this account which is a violation of the FCRA.

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 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hewitt-Capital
State: GA

Complaint narrative:
Hewitt Capital has been contacting my children and my mother about debt they say I owe ( and other messages to get me to call ). Of course I called them as soon as I received the number, and they said I owed money for a XXXX XXXX Loan with XXXX XXXX   ending in # XXXX. I have no idea what this is about, and I did not take out a loan. When I asked them for more information, they hung up on me -- twice. 

I asked them to stop calling my family members, and I hope they haven't called my work. 

I am a XXXX XXXX  ( 25 years ) with a credit score of 800+, and I don't want this fabricated loan to mess up my credit or make my family worry that I've suddenly become irresponsible after a lifetime of being completely responsible and dependable. How do I make this stop? And how do I protect my identity? They see to have my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have used their service to send money to people for goods and services and i sold something through their website and they told me I would get my money today on XX/XX/19 to my bank account and i wake up to my account being closed and no money being in either my bank account nor my venmo account and they have not helped ..they have been telling me to contact the person who sent me the money and the money was last sent to my account and should have been refunded to my account if they we unsuccessfully able to deposit it ..which i am now short my {$800.00} that was sent using their service and i have no way to contact that buyer again as they closed their account as well as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
Calls my cell, my husband 's cell, and now my job from blocked numbers multiple times per day. Sometimes leaving a voicemail with vague information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I've had numerous conversations with this creditor and advised that I can not receive calls at my job regarding this matter. Creditor has my personal contact information and despite me advising that i can not receive these calls they've still attempted to contact me at work as recent as today XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried multiple times over the past couple days to request my TransUnion credit report. Only after I submit all my information does the website state that it is experiencing technical difficulties and to call the number XXXX XXXX XXXX XXXX XXXX. The number is for requesting a report by phone or provides addresses to request my report by mail, but no assistance to their malfunctioning website. 

I was under the impression that the credit bureaus had to provided this information upon request, so far my requests are met with ubiquitous errors and vague phone trees.

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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This company is trying to collect a debt I do not owe. Several other collectors had dropped this debt because its does belong to me. This company buys bogus debts and destroyed peoples credit. I have already advised them, but they still havent removed it from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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: AZ

Complaint narrative:
XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX   and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-05-30 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: AZ

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX  XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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: AZ

Complaint narrative:
Equifax ; XXXX and XXXX are reporting a 30 day late payment on the XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XX/XX/XXXX payment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: AZ

Complaint narrative:
XXXX  ; Experian and XXXX are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XXXX payment and really this should have been posted as the XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: AZ

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported inXX/XX/XXXX and XX/XX/XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as theXX/XX/XXXXpayment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is in reference to report received from Experian ( # XXXX ) received XXXX XXXX. The following items were disputed and this report summarized the results of the dispute. 
First item disputed was a Bankruptcy ( XXXX ) in the county of XXXX XXXX, California. I disputed that the Bankruptcy was not my and probably belonged to Mr. XXXX XXXX. The results state that XXXX XXXX was the company used to verify the results of the investigation. I contacted XXXX XXXX to dispute the providing of inaccurate information when I was informed that on there is a security freeze on my account and no information is available to Experian or any other entity to view or access. The document is included in this complaint. Also on XX/XX/XXXX a Chapter XXXX filing was made by one XXXX XXXX which is not me since My name is XXXX XXXX XXXX. 

Second item disputed was XXXX XXXX XXXX ( XXXX ) once again Experian indicated they contacted the creditor and the information was being reported as accurate.I disputed that the account was never late or included in a Bankruptcy and that the account was sold to XXXX   XXXX where the account was paid in full. I enclosed a letter where XXXX XXXX Indicated that the account was not being reported accurately and that it would be corrected. 

Third item disputed was for the creditor for XXXX ( 9 ) which Experian states on their report that the item was verified with the creditor.I disputed that this was not my account and that the account I had with XXXX was closed in good standing. I contacted the creditor and was given a letter stating the account was being reported incorrectly and that there was only one account that was closed on XX/XX/XXXX. And the account showing was a mistake be their accounting department. 

The fourth item that was disputed was for the creditor XXXX ( XXXX ) I disputed this account never being late and that it wasn't my account. I had an account with XXXX which was closed in good standing. The account had ( 4 ) 30 day lates on the report which they corrected to ( 2 ) 30 day lates which they corrected showing 30 days late for the month of XX/XX/XXXX and XX/XX/XXXX. I previously had an account with XXXX which was closed in good standing and never had an account during this time period being reported under 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 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
Since XXXX of XXXX, we have been trying to get this company to release a partial lien. We have 2 acres and we are selling one of them to my husbands parents to build a house. Over the last 14 months and countless phone conversations, we have been given differing and contradictory  information with each phone call. The biggest hold up has been a document that a title company drew up for us. We will be told that particular wording needs to change on the document and after we change it, we are told that that was incorrect and the problem is something else entirely. 

This company has refused to assign one person to our case therefore forcing us to start from scratch with each phone conversation. We have been, most recently, working with their complaint department. We were told in XXXX of XXXX that this letter from the title company was finally approved and that we would be notified by mail of their decision. After 8 weeks and nothing in the mail, we called our mortgage company and we were told that our document was not correct after all and that they also could not find our appraisal ( which was completed more than 1 year ago ) and that we would need to get another one. We were essentially back at square one. 

I do understand that they are not legally obligated to release this partial lien. My concern is the inconsistency, seemingly incompetent dealings and their absolute lack of concern for our situation. We have jumped through all their hoops to no avail. 

We are currently attempting to modify this particular letter once again in an effort to fulfill their requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: CORELOGIC INC
State: NV

Complaint narrative:
this should be deleted

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 2019-05-30 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: TN

Complaint narrative:
There are items that are appearing on my credit report that don't belong to me. I have reached out to the different credit reporting agencies and they will not remove them from my credit. I have provided the requested documents and these items still appear on on my credit file. Please help in removing these fraud items.

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 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Sounds like a boiler room operation, call all three of our cell phone # 's never leave message, only can hear lots of talking in background on messages. They repeat calls all day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
found out that there was an inquiries which I did not do.

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 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
I am being sued for an old debt with XXXX XXXX XXXX  on the behalf of XXXX XXXX XXXX for {$850.00}. Apparently, XXXX XXXX sold my account to these debt collectors and now they have hired the law firm of ZarZaur & Schwartz, in the area I live in to sue me. I wrote and then sent a certified letter to both ZarZaur & Schwartz and the courts explaining to them I am currently unemployed and that's why I can not pay this debt. 

I offered to make some kind of settlement with the law firm but as of today which is XX/XX/2019, my offer was turned down. My court date is set for XX/XX/2019 and I was trying to this in a good faith effort to keep us both out of court. 

I told the young man I had spoken to over the phone, a XXXX XXXX, that I would accept their counter offer if I was allowed given time to pay it, it was refused. Basically from what I was told they expected the money within a short period of time ; I can't and would not agree to those terms. 

I think they are trying to collect on a debt that is at least six years old and the statue of limitations is either coming up or has past. I even asked about this and the young man I had spoken to couldn't give me a straight answer and wanted to turn me over to another department. I am XXXX, unemployed XXXX   with XXXX living with my mother who is also on a fixed income. 

I feel like this is a form of harassment and a scare tactic used to scare folks like me into paying them. I was basically told in another letter I received a few weeks ago that I may not only have to pay them but court cost as well. So, they have no sympathy at all for my plight, they just want to get paid. 

As I said, I am willing to work out a payment if the statue of limitations has not run out. But I will not commit to a payment plan that would make me pay them all the money within a 30-90 day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, I spoke to the following Chase representatives : XXXX ( Call Center Rep ) XXXX ( Unit Manager - Retail Banking ) XXXX ( Call Center Rep ) I contacted Chase Bank in regards to my student loans that were sold to XXXX in XXXX. According to XXXX, the promissory note provided from Chase does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate of 7.2 % instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from Chase Bank 's Archives department and have not received the information. I was instructed to contact XXXX, which is my current loan servicer, as XXXX sold my student loans to XXXX in XXXX.

Company response to consumer: Closed with explanation