vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-09 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: OH

Complaint narrative:
My name is XXXX XXXX. XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address : XXXX XXXX XXXX XXXX, OH XXXX. I have attached my proof of ID. The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law, I have sent a complaint to the FTC and the Secretary of State here in OHIO. The accounts is not accurate I have asked several times for contracts or documentation I have nothing in my records.

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 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HUNTER WARFIELD INC. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) &  FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) HUNTER WARFIELD INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD INC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 O.R.C.Taking assignment of debts Section C paragraph 3. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where HUNTER WARFIELD INC is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. HUNTER WARFIELD INC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: NY

Complaint narrative:
Hi I have 2 existing loans and tax information on the conduent loan service website and I can't access my loan information. When I called on XX/XX/19 I was unable to get a representative to speak to me to find out more information. My existing login information for conduenteducation.com was working as of XXXX and now it continues to say that they no longer service my account. However I received no notification of this or new lender info. My username and password simply do not work. I am now a month behind on payments and am trying to resolve this issue with conduenteducation.com.

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 2019-03-09 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: BB&T CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.

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 2019-03-09 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: TX

Complaint narrative:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.

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 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is G C SERVICES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, G C SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) G C SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. G C SERVICES is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where G C SERVICES is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. G C SERVICES. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
XX/XX/XXXX - Set up auto payment for my new car lease with GM Financial. 
XX/XX/XXXX - Called GM Financial 's customer service since the auto payment did not go through and I had a late change. Paid the late change and had the fee waived. GM Financial 's customer service representative walked me through setting up auto payment online and provided the wrong amount ( - {$10.00} less than my actual payment ) since we was looking at the total amount with the " fee waived '' applied. 
XX/XX/XXXX- XX/XX/XXXX- GM Financial 's auto payment was pulling monthly payments from my account for - {$10.00} less than what was owed. With fee 's it looked like my typical amount, I did NOT receive any form of communication that this was inaccurate or that the full amount was not being paid. 
XX/XX/XXXX - GM Financial 's auto payment automatically disabled due to {$40.00} threshold activated for a " delinquent payment ''. 
XX/XX/XXXX - I was notified through my credit report that my credit report had dropped a " significant amount '' which is why they contacted me. When I inquired they said that GM Financial had listed it as delinquent. I reached out and GM Financial 's customer service told me that it was due to an error in Auto Payment feature and to file a dispute with XXXX and have them contact GM Financial where they would confirm the issue. I filed a dispute. The dispute came back and they said they do not reach out to financial institutions and that GM would have to contact them directly. 

I am now reaching out to CFPB in order to have this resolved since both institutions are communicate with each other to remove the delinquency. This was in error of GM Financial setting up the wrong payment amount leading to the auto payment being shut off and I do not believe it should impact my credit score. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
company still showing monthly payment on closed accounts which affects dti and usage which is lowing my 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 2019-03-09 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: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/2016 the property at XXXX XXXX XXXX was forclosed on by ocwen and auctioned off, ocwen bought it back from themselves at the auction for the total amount owed, I have the lawyers papers from the auction. It's only wrong on XXXX and they or ocwen will not fix it. It's hurting my score an ability to buy. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/1984 please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX  XXXX # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I mailed a copy of my Drivers License, Social Security Card and electric bill to Experian for my free annual credit report I never received it. On XX/XX/XXXX I called Experian and spoke to XXXX in special credit services and after three security questions She said I failed and denied to send my report, she said that I would have to wait five days until the information I sent in was processed. On XX/XX/XXXX I called and spoke to XXXX in special credit services and was told that Experian don't have my personal information at all. XXXX told me to upload the information on there sight when I did they want to charge me {$12.00} for my free annual report. Enclosed I am sending you the information I sent to Experian on XX/XX/XXXX and a copy of my XXXX 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 non-monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a new account with Citi. I received a checkbook and a debit card. I activated the debit card and started using my account. I change my direct deposit to Citi bank and started using checks. Even though the money was there, the checks I wrote bounced back ( I tried to pay for daycare for my son ) and I was charged returned check fees by the daycare. 
I contacted Citi and asked what was going on. They said the checks were not activated. I said I have never heard about a need to activate checks ( I have a few accounts with other banks and I never had to activate a check in my life ) and was not informed in any way I need to do it prior to using the checkbook. 

I also so the money was debited from the account, but did not realized that they were credited back later.

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 monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/XXXX, I spoke to a member of the Wells Fargo XXXX XXXX XXXX team about deferment options and the possibility of adjusting my due date so that I do not continuously incur late fees. This conversation was a pro-active effort to explore my options before I had to move. I was told verbally that neither deferment on my loans due to a financial hardship ( I was moving at the time ) nor adjustments to my due date were an option. 

I have continuously called and made partial payments during this time : XXXX {$310.00} XXXX {$560.00} XXXX {$150.00} XXXX {$560.00} XXXX {$660.00} XXXX {$400.00} XXXX {$400.00} I now owe {$550.00} in late fees even though I communicated that the due date was after my pay day. I have a balance of {$2000.00} for my student loan payment and I have not received written notification that deferment and/or a revised repayment plan is not an option. I communicated to the Wells Fargo XXXX XXXX XXXX team I was still trying to make a good-faith effort to make payments and wanted to see if what my options were. I was not informed of any additional options and the snowball effect of late fees and a two-month hardship caused me to fall behind. 

Lastly, I was assigned a researcher named XXXX XXXX on XX/XX/XXXX ( it has been over XXXX business days ) and have not been contacted by him to follow up with my inquiries.

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 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My new Chase card came with an offer. Spend $ XXXX within 3 months of account opening and we'll give you XXXX bonus points. 

Chase sent my card to a PO Box , even knowing that a PO Box would get bounced back in the mail. So I called and gave them my physical address. But they sent it to the PO Box again. So it never made it to me. 

So I called again, gave them my address, and they sent it to the PO Box AGAIN! At least, this time they used XXXX and it made it there. 

So 3 times to the wrong address, and a month and a half later, I have my card. I was told by customer service they can take a look at extending that introductory offer window. They said marketing will take a look at it and give you a decision in 7-10 business days. 

A month later, no answer. I call, and the customer service rep re-escalates. Here we are, again 10 business days later, and still no answer. 

They haven't lived up to their end of the deal, why should I pay my balance? But what is my recourse?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: USCB Corporation
State: FL

Complaint narrative:
USCB Corp. has attempted to collect this debt by threats and also placing the debt on my credit report more then 3 times. I find this very unprofessional and all deb5ts should only be reported once on a single persons account not twice and not even three times. Not only is it making the debator 's look bad but its also making the three bureaus look unaware and careless to report something correctly and truthfully. Account # XXXX should only be on this credit report once not three times or more. 

I would appreciate if this error was reported and handled properly. 

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 2019-03-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Over the past several months, I have been unable to initiate an online dispute with the Experian credit bureau. I have noticed that whenever I call, the representatives ( a ) rarely listen to my concern ( b ) often transfer me to another department that does not help ( c ) or, they flat out lie and tell me that it is another issue and offer to take the dispute over the phone. 

There are multiple inaccuracies on my credit file which have negatively impacted my credit file. I have initiated a few disputes with representatives online but have no evidence/confirmation/statuses of those disputes. ( my wife has been able to initiate an online dispute successfully with full access to all features ). 

The membership that I pay for allows me to view my report. The report has an option that allows me to initiate an online dispute, but when I click on the option, I am constantly getting an error message instructing me to call. The representatives are mildly demeaning and rarely listen. 

I am often transferred or left on hold but overall, completely ignored.

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 monetary relief
Consumer complaint received 2019-03-09 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:
I was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/XXXX please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX-XXXX,XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX XXXX # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names on 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 2019-03-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/1984 please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX  XXXX  # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names on 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 non-monetary relief