vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Works & Lentz, Inc
State: OK

Complaint narrative:
Works & Lentz is a local XXXX XXXX debt collection agency that passes themselves off as attorneys and use harassing tactics to try and collect a debt. I have received phone calls from someone named XXXX. She repeatedly calls and leaves a message where she doesn't state what company she is from or the purpose of her call. She just gives her name and a phone number and tells you to call her. Today ( XXXX ) she called my work and spoke to my boss to " confirm my employment ''. My boss just assumed it was because I was getting a loan or something. When I told him him that wasn't the case he looked up their phone number and saw they were a debt collection agency. Now he is asking why a debt collection agency is calling him about me. 

I believe this is an intentional harassment tactic designed to intimidate me and make me look bad in front of my employer so I will pay them and the calls will stop. If they are intending to try and garnish my wages they have never sent a notice to me about going to court. So my other question is do they intend to go get a default judgement behind my back and then all of a sudden my wages will be garnished without me having a chance to respond? To be honest I don't know why this company is still allowed to be in business with the numerous complaints and legal judgments against them. All they do is adjust their tactics slightly in the hopes that people won't notice but at the end of the day their M.O. is the same. They masquerade as a law firm when in fact they are just a debt collection agency and then bully people into paying them money using every degrading, dirty handed trick in the book.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: PR

Complaint narrative:
Since Summer XXXX I've been trying to fix this problem. I have a student loan from XXXX University, administered by XXXX XXXX. My loan and payments showed in my Transunion credit report. I disputed to Transunion the payment history information and balances as it was incomplete and inaccurate. The dispute was submitted successfully. In less than 12 hours, Transunion responded saying " they deleted the account from my credit report ''. This has caused me serious problems : ( 1 ) I've not been able to fix it, even though XXXX XXXX confirms they have been reporting my payments to Transunion on a monthly basis ; ( 2 ) Transunion says they can not add the account back, even though they deleted the account without my request ; ( 3 ) My credit has been significantly affected as it plunged my credit history to the floor, thus lowering my credit score SIGNIFICANTLY. I have evidence showing ( 1 ) the account exists, it is mine and it was in my Transunion report. ( 2 ) XXXX XXXX has evidence of reporting my information to Transunion, and ( 3 ) that the account has been deleted and never restored since XX/XX/2019. 

I really need this to get solved. It has negatively affected me, lowering my score and limiting my credit options.

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 2020-06-09 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed there is New Chase total account and credit cards account open under my information. I have not acknowledge or consent to opening these accounts. Please authenticate the account holder and provide documentation. I have not consent to or acknowledge of these account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
XXXX and usaa federal savings bank. Putting a charge that I was refunded for of XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: NC

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$630.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$1000.00}

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
Consumer complaint received 2020-06-09 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: NC

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$630.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$1000.00}

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
Consumer complaint received 2020-06-09 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: CA

Complaint narrative:
In XX/XX/2020 I submitted three credit disputes with the credit bureau Experian. The accounts I was disputing were three student loans through XXXX XXXX, restructured under bankruptcy to XXXX, and then again filing bankruptcy under XXXX. The three student loans, under XXXX, were charged off as bad debt and thus were no longer legally collectible. Not only were they charged off but XXXX subsequently went into bankruptcy later due to predatory loan practices, so those liabilities they were holding were charged off as well. With all that being said, after submitting my dispute with Experian those three XXXX accounts are still on my credit report as holding an amount owed by myself. It is my understanding that once a debt is charged off it is illegal to try to collect any of that amount under law. This is my issue with the way Experian is reporting those three XXXX accounts.

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 2020-06-09 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:
Experian stated a collections that XXXX XXXX fraudulently placed on my report has been removed from my credit history. I'm attaching a PDF document showing proof of Experian lying about removing this fraudulent collections from my credit report. 

Please note Experian 's below response to my previous complaint : " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicated that a collection item ( s ) appears inaccurately in your credit report. You are requesting that the item ( s ) be deleted from your report. Upon researching your file, our records indicate that the referenced item ( s ) is currently not displaying in your credit report. '' Please hold Experian accountable for their lies and fraudulent activities. 

Thank you, 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 2020-06-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
During the COVID-19 pandemic, which started in XX/XX/2020, I requested a deferment for all of my USAA Federal Savings Bank accounts ( Loans, Credit Cards, etc. ). After the request ( provided over the phone ), I removed all of my account auto pay options in order to skip a few payments until XX/XX/2020. 

By XX/XX/2020, I had paid up all of my accounts to current status. However, USAA Federal Savings Bank reported my credit car account and personal loan as " Missed Payment '' for XX/XX/2020. 

I have addressed this issue directly with USAA and also requested a dispute on my credit report. USAA has NOT fixed the errors. 

How can I fix and/or start legal action. My credit score was downgraded significantly. Up to this point, I had NEVER had a late payment in over 20 years with USAA!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: GA

Complaint narrative:
This is my third pass with XXXX ( account number XXXX ). I settled this on XX/XX/20. XXXX agreed to delete it from my file. In XXXX they left a balance of {$320.00} on the record on Experian. We disputed it again. They removed the $ XXXX..but did not remove the collection ( as agreed upon with payment )

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 2020-06-09 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$190.00} XXXX XXXX {$340.00} XXXX XXXX {$120.00} XXXX   XXXX {$860.00} XXXX XXXX {$30.00} XXXX   XXXX XXXX {$520.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: AL

Complaint narrative:
I have recently the below accounts disputed the accounts with the credit bureaus and they have respond back that the accounts are verified but can not provide me with any proof of accounts being verified and reported 100 % accurately and complete. I have respond with asking for the method of verification and they have respond with No Method of Verification just resent the report refusing to re-investigate. I have also contacted the original creditor they have respond with no proof.

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 2020-06-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a response to a dispute regarding a reinserted judgment, that I made under FCRA 611 ( a ) ( 1 ) regarding an erroneous item on my credit report involving a Chapter XXXX Bankruptcy. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. In a letter provided to me by your company it states the information has been verified by the company your obtained the information from. That company XXXX XXXX has sent me a letter ( XXXX ) stating this item has now been removed. If they have done their due diligence in correcting this erroneous record how is it you all are stating it is verified?

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 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX. 

This delinquent account record is inaccurate because I did not miss payments between XXXX and XX/XX/2017. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, 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 2020-06-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
This is from XXXX XXXX from XXXX and XXXX. " The modification and documents on the house were not done properly and at the time of the foreclosure sale he was still on title, therefore, he is entitled to his 50 % portion. '' I believe I was mislead by Wells Fargo and their title company XXXX XXXX XXXX, and when I was entitled to surplus funds I only received half because of them. I was never told this. I believe your company never found this out and therefore I am them victim of Wells Fargo loan modification scam!

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 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Dear CFPB, I am writing to you because its a nightmare dealing with Fay Servicing XXXX  representatives from the Loss Mitigation Dept.  At the beginning of this year i applied for a loan modification which it took 3 months for someone to return my call, i finally i was able to speak to a representative by the name of XXXX XXXX phone # XXXX XXXX who told me that my application was lost by and i needed to re submit all my documents all over again. 
Which i did i faxed and mailed all my documents lettting them i needed help since my mortgage its adjustable and my payment had increased substantially and we weren't able to afford it. 

The pandemic came and hit us very hard with our financials, as well as our health. XXXX XXXX finally confirmed that she received my documents and to wait a few months for a decision. 

Now after so many months under review, Fay Servicing and XXXX XXXX who is the representative assigned finally answered my messages and told me that because of my Bankruptcy that i filed before the investor of the loan feel that i didn't deserved to keep my home. 

I was shocked and concerned since this is clearly discrimination, i requested for her manager and since almost 1 month ago XXXX XXXX refuses to have her manager return my call. 

Now every time that i call they keep telling me i need authorization in writing my self to speak to my self. which it doesn't make any sense since im the one on the loan. 

Every time i called its a different story and when i request for a manager they hang up on me. 

i don't know what to do to stop this discrimination against me and my family. i do appreciate some help with this matter. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank : 3rd complaint : Since opening my personal accounts back up to me last week, I still can not access my online banking or the mobile banking app for my personal accounts on my phone. I was told last week it would be opening this week. I thought I would double check that through the CFPB since you seem to be able to give me more straight forward answers here. Can you please give me a date for when all my personal accounts will open up for regular use which includes online access? 

Thank you 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 2020-06-09 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$190.00} XXXX XXXX {$340.00} XXXX XXXX {$120.00} XXXX   XXXX {$860.00} COLLECTIONS XXXX {$30.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$240.00}

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
Consumer complaint received 2020-06-09 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$190.00} XXXX XXXX {$340.00} XXXX XXXX {$120.00} XXXX   XXXX {$860.00} XXXX XXXX {$30.00} XXXX   XXXX XXXX {$520.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX  XXXX {$490.00} XXXX  XXXX {$240.00}

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
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
SLS continues to misapply funds to my escrow account despite my clear intentions on how funds should be applied. As a result of this they are showing a significant deficit in my escrow account. Furthermore, when I reached out to SLS I was placed in a call back queue and when I finally received a call back I was hung up on within 5 seconds of the call and they never reached back out to me. I am seriously frustrated with their handling of my account.

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