vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 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: FL

Complaint narrative:
I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 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: AR

Complaint narrative:
I have tried to purchase a vehicle any times. Every single time I get denied and I just don't understand why. This last time I asked the car salesman to show me a copy of my report. I wish I would of took a look at my report months back. There are several collection accounts and a loan on my report that if not mine. Please remove these accounts from 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 2020-01-31 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: AR

Complaint narrative:
I have tried to purchase a vehicle any times. Every single time I get denied and I just don't understand why. This last time I asked the car salesman to show me a copy of my report. I wish I would of took a look at my report months back. There are several collection accounts and a loan on my report that if not mine. Please remove these accounts from 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 2020-01-31 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: NV

Complaint narrative:
I have been denied credit due to identenity theift, I have an ample amount of account that were opened in my name and the credit bureaus are not allowing me to dispute these accounts with them online. I am not happy with the way this situation is being handled and i am asking that the cfbp steps up and make the credit bureaus do what is right by law. I am asking that this inaccurate information about me is blocked by the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: NV

Complaint narrative:
I have been denied credit due to identenity theift, I have an ample amount of account that were opened in my name and the credit bureaus are not allowing me to dispute these accounts with them online. I am not happy with the way this situation is being handled and i am asking that the cfbp steps up and make the credit bureaus do what is right by law. I am asking that this inaccurate information about me is blocked by the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit yesterday and today as well. Since speaking with XXXX XXXX XXXX XXXX to pay a balance, my credit score dropped 7 points. It dropped due to old accounts reappearing that were taken off, because they were inaccurate and disputed. One account should not have been submitted which is pathology ; which I am still paying on. I attached photos from XXXX XXXX and pathology. I think it may be my mother or my older brother. They both have an account at XXXX XXXX. But, Someone is illegally making false reportings to my credit which has been going on for years. I could use your help in this matter once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: CO

Complaint narrative:
I have been a XXXX XXXX employee for 12 years. I have made 120, timely payments as necessary for Public Service Student Loan Forgiveness, ( PSLF ). However, I was denied both PSLF as well as the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ). First, I was told that I didn't qualify for PSLF because I never moved my loans into an Income Based Repayment Plan. I was never informed of the requirement to do so, nor would that have made sense financially. When the program began, I was told to just keep making payments and that I could not do anything or apply until the 10 years had passed.

After the 10 years had passed, I applied and was denied for very confusing and nonsensical reasons. When I recently applied for TEPSLF, I was denied indicating that only 20 of my payments qualified rather than the necessary 120. I never moved my loan into an Income Based Repayment Plan after I was initially denied, so this doesn't make sense. Why do 20 now qualify and don't all of my payments qualify? I have made them in full, on time, as required for over 10 years in a Standard Repayment Plan. This " forgiveness '' has been misleading, deceptive and profoundly disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
XXXX XXXX who held my mortgage went into bankruptcy and LoanCare took  over my loan as of XX/XX/XXXX. I made 2 payments to LoanCare through XXXX  XXXX XXXX Bill Pay on XX/XX/XXXX in the amount of {$1700.00}. and also XX/XX/XXXX in the amount of {$1700.00}, but they posted to my old acct # I had with XXXX . I have made more than bi monthly call to LoanCare explaining what happened and trying to get this resolved. They did a reversal of 1 payment and posted it to my account on XX/XX/XXXX but never posted the second payment. I faxed them copies of the bank transmittal from XXXX  XXXX XXXX showing them the Electronic File Trace Numbers on XX/XX/2019, XXXX XXXX, per a supervisor named XXXX 's instructions telling me this would take care of the problem. It was never taken care of. Since XX/XX/XXXX I have sent every payment certified mail return receipt so that I have proof of payment. I call every couple of weeks and get the run around they tell me they will fix the problem and call me back and no one ever does. I get monthly delinquent notices from them, they have reported me monthly to credit bureau as delinquent, when I have made every payment to them in a timely manner and my credit is being destroyed. They raised my payment because they said my escrow is insufficient when if they would just post the payment that would not be the case. I reported them to the XXXX XXXX, after that I received a letter from LoanCare saying they would look into the problem. There were ( 21 ) attempts on XX/XX/XXXX, on my account to rectify the problem and in the end all that happened was my principal amount owed to them changed {$5.00} in there favor. i DONT KNOW WHAT ELSE TO DO!! I feel like they are stealing my money and ther is no accountabilty on there part.

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 2020-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
Sent {$4000.00} through moneygram - when my husband tried to pick it up they would not give it to him because I left off middle name. - form clearly said " optional '' and the suffix - there was no place that asked for suffix.

They told me i had to cancel and resend. ( when I called today they said they can add middle name after the fact however last night I was told that wasn't possible ) They wont refund the fee. Then I sent again this morning. This time they wouldn't let him pick up money because they said it was missing information even though i got text and email that it was ready for pick up. And when I log in it still says that. So {$8000.00} out of my account plus fees and they said it would take up to 10 days to return money - sans fees. For a service I did NOT get. Have spent 3 hours on the phone over two days in hold XXXX and transfers to different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
On XXXX XX/XX/XXXX I emailed a copy of my Tax Exemption certificate to AmeriHome 's Tax Exemptions Department. The same day ( XXXX XXXX ) I received a notification that the document was received. 

On XXXX XX/XX/XXXX I contacted the Tax Exemptions Department of AmeriHome Mortgage to verify they did not need any additional information and to inquire about my mortgage bill and how to proceed when the first payment was due ( Payment was due XXXX XX/XX/XXXX ). I was assured that my paperwork had been received and that it would be processed and that I would not need to make payments until the bill has been corrected because I could wait to make my payment up until XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, I received an email stating that the documents I sent would be sent to the Tax Department. 

On XXXX XX/XX/XXXX I again contacted AmeriHome to inquire about the status of the tax exemption, as my first bill due date had just passed. I was again told it was being processed and that it should be completed/updated by XXXX XX/XX/XXXX and that I could wait to make payments. 

On XXXX XX/XX/XXXX I made contact with the Tax Exemptions department of AmeriHome to follow up, as my bill was still showing the incorrect amount due. I was told that my tax information was being processed and that they had to verify the information with the Tax Assessor 's  office. When I requested additional information about when to expect this to be completed and whether or not it would be before my '60 day grace period ' had expired, I was told they had no further information and to just wait or pay the full amount. 

On XXXX XX/XX/XXXX I made contact with AmeriHome Tax Exemptions office and again inquired on the status of my tax exemption and billing update. The representative refused to give me any further information or to give me any estimated timeframe for this to be corrected. 

On XXXX XX/XX/XXXX, I submitted the full billed mortgage amount, which included the tax amount, as I did not want to fall behind on payments, requiring 2 months ' payment all at once by mid-XXXX. 

On XXXX XX/XX/XXXX I contacted AmeriHome Tax Exemptions office, as I am now in receipt of a letter and a paper bill stating that I am Past Due on my mortgage. I was placed on a hold and then told that my exemption status was being reviewed. Prior to contact with AmeriHome, I contacted my County Tax Assessor 's Office. I was reassured that if AmeriHome had contacted them, they would send the information, but that the only information they had for them was the letter that I had already submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: NV

Complaint narrative:
XXXX  has not updated my XXXX XXXX credit card balance as XXXX for 3 months now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I applied for a credit card and Comenity did not follow Fair Credit Reporting Act. 

Did not contact applicant on phone number listed on fraud alert. 

I have capability to lock my credit with XXXX, remove freeze with XXXX  but nothing with XXXX  ( they charge a monthly fee for the service ). My file with XXXX  is unlocked I contacted Comenity and they were not able to address my concerned. 

They want me to apply in 30 days, having a few more inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX I opened debit card and checking account in Bank of America. I put my money XXXX usd there through the cashier and ATM. 
XX/XX/XXXX my account was closed by Bank of America. And debit card was cancelled too. Since then I cant get my money back. Security service has finished all checks a long time ago. 
I call the bank every day. But bank employees constantly lie to me that your check was sent to you. But the check doesnt come. They say your funds are frozen. Now they said they sent me a check XX/XX/XXXX. Today already XXXX but my check didnt come. the bank asked me to wait another two weeks.

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 2020-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.

Complaint narrative:
The day XX/XX/XXXX I trasnfered XXXX dollars to a person that used phishing and identity theaft trough XXXX  and XXXX, and I need to get the money back, I called CITI bank to get my money back and they said it is not possible

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 2020-01-31 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: NV

Complaint narrative:
Transunion has not updated my XXXX XXXX credit card balance as XXXX for 3 months now

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 2020-01-31 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: NV

Complaint narrative:
XXXX  has not updated my XXXX XXXX credit card balance as XXXX for 3 months now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have opt- out all promotional offers and stop doing inquiries as loans credit cards and all offers as I se on my credit report. I have not requested or ask for Pay Day loans or any credit offers as I se on my credit files. I also want all offers and Inquiries removed as i see on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am XXXX years old and a co-signor on a student loan administered by XXXX. The loan dates back 11 years or more during which time payments were made timely. Recently, I received word from Experian that a negative credit report had been made against me by XXXX because of a late payment on the account. Apparently, the primary borrower failed to make a payment. This was the first notice of any kind that I received to the effect that the account was in default. I immediately brought the account current. As it turns out, XXXX did not notify me of the delinquency because it did not have accurate contact information for me. This is hard to understand because it had been receiving payments from me for years. In short, XXXX completely failed to notify me, the co-signor, of the account delinquency before filing a negative report about me with the credit reporting agencies. The negative effect of XXXX  report on my credit score has been significant. My credit history is otherwise exemplary. Ive asked XXXX to retract its report and it has refused.

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 2020-01-31 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: Midwest Recovery Systems
State: TN

Complaint narrative:
This company Midwest Recovery Systems keeps adding and deleting this account without contacting me or validation of this so called debt. I filed complaints about this company before with the CFPB and the inaccurate account was removed. The complaint numbers are XXXX & XXXX. This account was added in XXXX and disputed and was deleted in XXXX or XXXX of XXXX. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of  Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Liberty Holdings, LLC
State: TX

Complaint narrative:
This number has called my phone and XXXX in attempts to reach me pretending to be XXXX county. I contacted XXXX county and they said that there is no such case number and that they would not call from a blocked number and hold no offices out of state. The number that reached me called on XX/XX/20 and left a call back number of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-01-31 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:
I have opt- out all promotional offers and stop doing inquiries as loans credit cards and all offers as I se on my credit report. I have not requested or ask for Pay Day loans or any credit offers as I se on my credit files. I also want all offers and Inquiries removed as i see 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 2020-01-31 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have opt- out all promotional offers and stop doing inquiries as loans credit cards and all offers as I se on my credit report. I have not requested or ask for Pay Day loans or any credit offers as I se on my credit files. I also want all offers and Inquiries removed as i see 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
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
Mailing subpoena request to courts in counties that I do not work or reside in. Mailing those same documents to companies I currently have accounts with, asking for release of personal information and records, including banking information. Printing my SSN on documents that are being mailed. Mailing uncertified letters as offical notice. Refusing to send original account information for the debt supposedly owed. Not able to be reached by phone. Attempting to take legal action on an account that's older than 7 years. 

I have tried contacting the collector, requested original documents associated with the alleged account, contacted the court for which documents were sent, and asked that all communication cease. I believe these actions violate the fair debt and collections act, and may also be fraudulent.

Company response to consumer: Closed with explanation