vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom it May Concern, In XX/XX/2013, I was convinced by a salesperson at XXXX to apply for a store card in order to receive a discount on clothing. I was told that I would receive the card in the mail. The card was never arrived, nor did a bill or any form of communication from XXXX for several months, until I received a letter from the debt collection agency, XXXX. Although it was sent to my address, it was directed to someone with the last name of the street I live onXXXX XXXX ( addressed to " MrXXXX XXXX '' ). 

I called XXXX to complain, and they apologized for the clerical error. I immediately issued a credit card payment to resolve the debt and requested them to close the account and have it deleted from my credit report. For the past six years, my credit report continued to show both XXXX and XXXX, preventing me from applying for any type of credit card or loan due to " serious delinquency. '' I made another attempt in May to contact XXXX ( since the account was in their hands ), and spoke with someone in upper management. He apologized on behalf of XXXX 's actions, agreed to close the account, and to contact Trans Union, XXXX, and XXXX have it deleted from my report. This was successful, but my score strangely dropped 80 points. I then called all three credit bureaus and was offered no explanation to why this happened. They suggested to contact XXXX, which didn't make logical sense to me. However, I took their suggestion and explained my situation to an individual at XXXX over the phone that XXXX closed the account and asked that XXXX, once and for all, remedy their error and contact the credit bureaus to delete the error from their end. I called XXXX back to check the status two weeks later and was told by a different individual XXXX had indeed sent the XXXX bureaus a letter requesting that it be deleted. Yesterday I received a letter from XXXX Bank addressed to " XXXX XXXX '' ( XXXX XXXX ) stating that XXXX was unable to close the account or request that it be deleted without any explanation. 

I feel that what I have gone through, for six years, is most unfair and unprofessional. I am a college professor who supports three children. I make regular monthly payments on a mortgage and car. My credit score and report have suffered because of a simple, clerical error that was never remedied by a clothing store. 

Thank you for your attention, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA 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 non-monetary relief
Consumer complaint received 2019-06-11 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.

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 2019-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank
State: TX

Complaint narrative:
In XXXX, my wife and I migrated to overseas. We left a savings account with a bank and also an office which was rented out to a gentleman under a provision that he would purchase same building. A year before leaving I had applied to the bank for a line of credit which I subsequently did not use as the XXXX XXXX XXXX decided not to go through with the project. I had subsequently done business with the bank and did not owe them any monies at that time. While away I kept in contact with the renter of my building. On one occasion he told me that he has been harassed by the Bank because they claimed that they wanted their building. This came as a surprise to me as I neither owed the bank any money nor did I use the Line of Credit for which I had applied. Subsequently, they evicted the gentleman from the building. XXXX, he suffered an XXXX XXXX and died. He was found in another building across the street from where the office was located. I returned to the XXXX in XXXX and went to the bank to recoup my monies that was lodged there only to find every penny was taken out. Discussions with a bank manager ensued in which she told me that I had redrawn the monies. I asked her for the evidence that that was so and she told me to return later. Upon my return, no one could account for her whereabouts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute to all three major credit bureaus agencies XX/XX/2019 in regards to identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its been over 60 day

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 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
Hillcrest Davidson and associates is an unfair foul practice company causing stress in my life ... i do not owe this company any debt they claim i do, they wont provide with any information i request regarding this debt, i asked them to stop calling me and my property management, which they haven't stopped the calls and the threats even after telling them to stop calling, this company has harassed me, XXXX profiled me, used foul language, and threaten me with in quote " we will release the dogs if you do not pay! " the amount they ask for is never the same with misleading information. 

they contacted people not related to this matter. they have used my phone number and other random numbers to call me and yell at me demanding payment they have trolled me day in day out with this matter i do not owe. 

this company has been detrimental to my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I attempted to dispute two items on my report that are showing as collections. The number of questions required to answer is significant, but I can appreciate the length they go through to protect the PII of the consumer. However, the answers to the questions that I had given were accurate and I was denied the ability to dispute online. Same process over the phone, correctly answered the questions asked and was denied access. 

The creditor finally reported the account as closed but Equifax still shows it as a collection. In addition, they have a reported collection with NO information about the creditor. I've tried to dispute this and have run into brick walls in an effort to get it resolved, in this case I'm just trying to assess who is the original creditor so I can satisfy the debt. Also, Equifax reports medical debt from a collection agency that has been sanctioned by the CFPB and FTC for their practices in collections and reporting. Most of that debt has been in dispute with the hospital and my insurance but the collection agency disagrees. My suspicion is that Equifax has allowed creditors to " re-age '' old debts in order to allow it to stay on my report, which is a violation of the law. 

Each of the three bureaus also offshore all their call centers to XXXX which is a joke considering that they are supposed to protect PII of the consumers and this is a very un-secure way to engage with consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: OH

Complaint narrative:
From XX/XX/2016 to present. I send Experian several letters in accordance with FCRA under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) under Section 611 ( 5 ) ( A ) to provide any original documentation with my signature as required.

Experian never provide such documents when investigating the matter when it alleging came back " verified ''. If it was reported correctly as they mention who verified it? 

METHODOFVERIFICATION accordingto FCRAsection611 ( a ) ( 7 ).

( a ) Thenameofthecreditor ( b ) Thepersonsname and title showing thattheyverifiedthedisputewith ( c ) Theaddress ( d ) Thetelephonenumberand ( XXXX ) Thedocumentationusedtoverifythedispute. 

If Experian reply it would show clearing that they did not provide no evidence to me thus in violation of FCRA. The overall risk to me and my credit rating could be damage greatly all because of Experian non-compliance. 

Anyone paying for experian services could fax, mail, or email in a fraudulent account. 
Since it still reporting on my credit report I'm sure that experian could easily provide it to CFPB. If not, look at the long-term damages its doing to me and potential lenders I would like to do business with, but unable to due to this error.

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 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: SC

Complaint narrative:
World Finance is repeatedly calling people I listed as references over & over, but are also calling people I did NOT list as references leaving messages for me to call them. Per 1692b of FDCPA they are only to call my references one time each & are not supposed to say where they are calling from. They have my correct phone number & address so it is not being used for the need of " location purposes ''. This has been going on for two months. They have told me directly they will continue to call my references daily until I come into the office because that is what is required for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
Over the past 2 years, I have tried to get a correct number count for public service loan forgiveness ( PSLF ). I first called on XX/XX/XXXX because my PSLF numbers were not correct. This was not correctly input into the system after my call so when I called again on XX/XX/XXXX they proceeded to place it in correctly. I have called multiple times and there is no timeline to get my numbers correctly placed though administrators are able to see " correct '' vs " incorrect '' payment months each time I call. 

One month ago, my loan " split '' for no reason. I had two loans with FedLoan and it then became three. I never asked for my loans to " split '' but it happened. After doing that, I lost ALL my PSLF payments ( before I had some payments, just not the correct count. ) I have contacted the company multiple times but they just keep saying there is no timeline and they will mail me my info when it is done. I believe 2 years is an extremely unreasonable amount of time to wait to get correct information which administrators are able to see immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: DE

Complaint narrative:
Needed a car loan following current loan with excellent interest and payment options car was to be totaled multiple repairs 5 months later XXXX XXXX totaled the current car when got into current loan for used car interest as well as payment increased was told for one yr then could return to reg interest as well as normal payments like I had.. now in this loan 2 1/2 yrs to be told interest to high car not worth a third of loan amount still owing on a vehicle needed after 5 months of XXXX XXXX and XXXX taking months to total a flooded vehicle I was forced into this horrible loan due to desperately needing a car for work life job and all was in jeopardy please help need a new car loan with terms that can afford as well as decent interest noooo reason to force me back into the worst loan ever now told nothing I can do please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX placed derogatory untrue statement on TransUnion credit report on XX/XX/18. Has incorrect billing information that belongs to another person. Debt does not belong to XXXX XXXX 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 2019-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc
State: WA

Complaint narrative:
I already stated that I had full medical that should've covered the cost the time of the situation. They know when customers have full coverage on medical but did not do their job to process customer 's medical instead they want to charge and bill for something we shouldn't be billed for. This is ridiculous.

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 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, CHASE Home Mortgage has lied to me and my family for the past 6 years playing games with my home. At the beginning of this year CHASE HOME MORTGAGE told me to email all my financial documents since the interest rates dropped and i was eligible for a loan modification to be able to avoid foreclosure. 

After 3 months under review for the 5th time with CHASE HOME MORTGAGE they told me i was not eligible because it is not on the best interest to help me avoid foreclosure and the only way to avoid foreclosure was now to apply for a short sale which Now CHASE HOME MORTGAGE is telling me that i have no options because the investor of the loan is CHASE and they don't feel like helping me avoid because of my history and background.

Due to the fact that CHASE Home Mortgage is the servicer and owner of my loan, XXXX XXXX from the escalations team phone # XXXX told me that they will not help me in any way because my investor which is CHASE HOME MORTGAGE doesn't not comply with any short sale regulations any longer, XXXX XXXX from the escalations team phone # XXXX also told me that even if i filed a complaint with the CFPB, OCC or the State Attorney General nothing will change since those government agencies are on their side with the new administration. 

As a homeowner trying to do your best to avoid foreclosure i don't believe this is fair for me and my family. ALL IM TRYING TO DO IS END THIS NIGHTMARE FOR GOOD! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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:
Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I applied for Credit on XXXX-19 and I got a denial of credit. The reason is past credit not paid. Yet all the credit was included in Chapter XXXX BK and should not be affecting me as it was discharged 2 years ago. The credit reporting agencies also keep ageing the debts included in the BK.. 
2nd complaint I tried to remove a fraud allert on my credit files in writing. All 3 agencies returned a letter stating it isn't there but, I'm getting denials for it being there.

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 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Went to Santander bank 's website ( https : //www.santanderbank.comXXXX ) to see what's available, I called customer service to verify possibility to have a checking account. After given a positive response I proceed to fill in my personal information and make the required initial deposit, a healthy {$500.00}. After welcome to your application email, was only followed by a " Denied '' second email. When calling to the provided phone number the representative told me to do it a second time due to my VPN because they were not able to see that I am in USA. In  doing so for second time without VPN I encounter the same outcome, " denied ''. Called a second time and the representative said : '' oh let me see with the person in charge of new accounts and we will call you back in a couple of hours '' ( NEVER happened!, all a lie! ) So now in speaking to customer service again ( third time ) :, Contacting Santander over the phone : the representative stated that Santander was unable/unwilling to provide a reason as to not opening the above mention account on line. 

The email says : " We are sorry, but we are unable to open your Simply Right Checking account online, since we were unable to verify some of the information on your application. 

We may be able to open your account in person at a Santander branch. '' So I offer them to send a certified letter/note with my DL copy and Passport because is so far away from me -- but the representative/supervisor stated there are still no guarantees that they would open an account. 

This is not good business sense and extremely poor customer service! And very poor untrained personnel, ( they all have a different response or don't know how to help you )

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 2019-06-11 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: NC

Complaint narrative:
I have disputed the reporting of the XXXX XXXX XXXX account # XXXX on multiple occasions ; however, the bureaus continue to report a past due amount for this account. I have never had a contract with this collection agency. I have never been past due with XXXX XXXX XXXX, yet this is still being reported. Each time I dispute the accuracy of the reporting of this account, it comes back as verified. The bureaus are reporting inaccurate and financially detrimental information.

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 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I'd like to file a complaint to the Zelle account associated with the email XXXX. 

I tried to buy two tickets from his XXXX ad. The user went by XXXX XXXX and used the number XXXX. He was responsive via texting and I thought that Zelle, being tied to major bank accounts, would offer some kind of fraud protection services if this turned out to be a scam. I sent the email {$70.00} and never heard back and never received any tickets. The Zelle transaction was at XXXX MST, XX/XX/2019 with the transaction XXXX. 

URL - XXXX XXXX XXXX postID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In my effort to improve my credit score, I learned credit history is vital. My landlord and I are trying to get my rent payments for the last 14 years along with three major purchases they financed for me on record. The rent solution recommended by Experian is only willing to start from this point and go forward. They won't provide us with another direction to go. Please help me by referring companies who can get this history included to me. This will go along way in raising my credit score. I've enrolled in XXXX to further my education. I am also moving and need a much better credit score to obtain the funding available to me to enable me to return to my home town. How can I get my payment history on record? Please advise.

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