vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX are reporting me 120 days past due on XXXX - partial account number XXXX. XXXX is reporting me 120 days past due on the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due status. It is impossible to be 120 days late on accounts that have a {$0.00} balance and {$0.00} past due amounts. I have contacted the two bureaus to have this fixed. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: KY

Complaint narrative:
Various information and accounts are fraudulant, opened by someone other than myself. Identity was stolen and they keep telling me the debt is mine even though my ssn was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: KY

Complaint narrative:
Various information and accounts are fraudulant, opened by someone other than myself. Identity was stolen and they keep telling me the debt is mine even though my ssn was stolen

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 2019-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
This particular debt was being disputed by my health insurance company shortly after my XXXX in XX/XX/XXXX and somewhere in the mix I never received a bill from the original creditor ( XXXX XXXX ) so I assumed it was taken of, I recently applied for credit XX/XX/XXXX and got denied due to a charge off on my credit report which I keep close tabs on. Appex took over this debt so I then wrote them a letter stating I wasn't agreeing to the debt but was willing to settle for half the debt owed if they agreed to remove this from credit report within 10 days, The letter I received in response stated they needed more information on the debt that it was not found in their database using my address or name. This upsets me because I do not have an acct number for this debt and I have lived at the same address for 7 years. I disputed with XXXX which changed the charge off to a collection regardless I want this off of my credit report. I tried to settle with what information was available to me on my credit report, to which the company responded with more information is needed. I cant provide more information when I DO NOT have it or knew of this debt to start with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I received the following letter, and made notations of the call. 

In late XX/XX/XXXX or in XX/XX/XXXX my son worked for XXXX ( I believe ) or XXXX 's XXXX XXXX store. His paycheck said Wells Fargo, so tried to cash it there. 

They told us they couldn't cash the cash without his opening an account there ( despite his employers account being there ) because " the account could be overdrawn. '' They said without an account it would cost {$20.00} to cash a check. We refused their illegal business practices paid the {$20.00} opened an account at another bank once I investigated the rest of the banks in this area. 

Seems they are still trying to do unscrupulous things. They tracked down and wrote me yet, after talking to two people, no one has explained how their " commitment '' plans to " make things right for customers ''. 

There is NO reason an email can not be used in lieu of a private phone number, unless they don't want anyone to know how they plan to " make things right ''.

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 2019-03-18 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:
filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit. 

I have attached a copy of the first and second response from 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 non-monetary relief
Consumer complaint received 2019-03-18 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: Bliksum, LLC
State: AZ

Complaint narrative:
On XX/XX/2019, I inquired about a temporary personal loan of {$2000.00} through a company called XXXX XXXX. When speaking with them, it was determined that they were unable to offer me the loan without vehicle collateral, but they offered to transfer me to a partner of theirs, LoanMe, who offers non-collateral loans. I agreed, and was transferred to LoanMe. 

When speaking with the loan agent at LoanMe, he asked me a series of questions pertaining to my income, residency, and occupation, then had to transfer me to a disclosure recording ( this is not atypical for banks, so it raised no concern ). Prior to transferring me to the disclosure, the agent never confirmed or discussed the amount I was attempting to borrow. He then came back on the line after I was done with the disclosure, and informed me that he'd already ran my credit and it was denied. When I inquired about the amount he ran the loan for, XXXX informed me that he went with the minimum amount they offer in Arizona 0 {$10000.00} at a 98 % interest rate! 

I was under the impression that when I was transferred to LoanMe, they already had the amount of {$2000.00} that I was seeking. Had I been properly informed of this information, I would have NEVER authorized them to run my credit. When I informed him of this, he said simply that he understands, but the loan was declined. I asked to speak with a supervisor to see about how to get this credit inquiry off my record and XXXX simply told me that there are no supervisors. I was disconnected twice, and had to call him back directly at ( XXXX ) XXXX, where I was disconnected again. After calling back a second time, XXXX transferred me to customer service, who said I needed to speak with a loan agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
In XX/XX/XXXX I opened a personal loan with Santander, which was due on the XXXX of every month. In XX/XX/XXXX I missed my payment due date, as I was tied up on business travel. In ealry XXXX I called to make my payment ( forXX/XX/XXXX ) and was told after the payment was made that I would not be derogatoraly reported by the agent who took my payment. In XX/XX/XXXX I received verification that Santander did indeed report me 30 days past due. Ive been fighting them ever sense.

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 2019-03-18 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: CO

Complaint narrative:
XXXX and Transunion are reporting me 120 days past due on XXXX - partial account number XXXX. Transunion is reporting me 120 days past due on the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due status. It is impossible to be 120 days late on accounts that have a {$0.00} balance and {$0.00} past due amounts. I have contacted the two bureaus to have this fixed. This incorrect reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX The short sale was started XXXX/XXXX/19 with SLS. On XX/XX/XXXX we were told the file was complete. 

We were just told today that underwriting somehow allowed some tasks to expire in XX/XX/XXXX, requiring the file to be re-underwritten. XXXX claims the file is currently still in review, but I told him that is absolutely unacceptable, as our sellers, buyers and ourselves have met every demand that SLS has issued to us in less than 48 hours. The buyer agreed to their counteroffer on XX/XX/XXXX, and we are nearly 30 days out from that. The fact that underwriting on the file had expired is through no fault of anyone but SLS, and I expect SLS to remedy it immediately. I also can not get confirmation from SLS that it was send to the investor, XXXX XXXX. 

I want SLS to be investigated for these continual and deceptive communications.

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting me 30 plus  days late on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. It is impossible to be 30 plus days past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have contacted the two bureaus to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2019, I spoke with, XXXX, a representative with XXXX XXXX XXXX credit card. I informed him that some of their calls were not returned as they come up identified as a telemarketer and no one was leaving a message. He said he understood. He then went on to demand that a {$280.00} payment be made by XX/XX/2019. I told him that some agreement would need to be made as I send {$100.00} every two weeks and hat is all I can afford to send due to Federal Student Loan taking so much out of my pay every 2 weeks that I am left with nothing to spare. XXXX simply stated that, unless {$280.00} was there by XX/XX/2019, the fees were going to continue to be assessed and the required monthly amount due will increase. He would not waver from this blanket statement to discuss a payment arrangement. 
Though this number calls everyday, at least 3 or 4 times a day, XXXX was the first to leave a message. His message threatened to make a legal decision for me if I did not call back by XXXX and he identified himself as being with XXXX 's 20 %. I assumed it had to be the credit card and returned the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
My former loan servicing group, Navient, mislead me to believe that I was doing everything I needed to correctly qualify for Public Service Loan Forgiveness Program. After almost 4 years and much research of my own I found that more than half of my loans were not in the correct categories for the PSLF. At that time I consolidated my loans and moved my loans over to XXXX XXXX. All of my loans are in the correct categories now, however, a larger portion on my loans will take another 120 qualifying payments for qualify. This is disappointing. I spent hours on the phone with these crooks just to be sent down an incomplete path. I talked to XXXX   XXXX and they told me there is nothing that can be done to get those loans caught up in payment numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting me 30 plus days late on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. It is impossible to be 30 plus days past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have contacted the two bureaus to fix this.

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 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
In 2017 my ex husband used my Information during our separation and got a credit card and left me in debt {$570.00}. I had no knowledge that my social and name was used to start an account because I am against even using credit cards back then and he never paid the bill and all mail went to him I assume because I was never sent any information about the credit card or that I was being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MN

Complaint narrative:
We are borrowers who reside at the subject property for the last twenty-seven years. After an unexpected accident which led to wifes XXXX and we applied for a loan modification. We have disclosed all our financials, in spite to that Lender keep getting the same unaffordable for us monthly mortgage payment. Instead of adding all missed payments to the current mortgage principal amount, like every modification done, Lender is keep asking for a gradually increasing down payment knowing in advance that we can't pay that. This is only made us feel more miserable and hopeless than before. It doesnt sound at all like we even been offered a loan modification. We hope we have a wrong impression, but it feels like our Lender SN Servicing fully understand and knows that giving us such high monthly payment will lead us to imminent default wright away. Feels like Lender simply enjoys and doing everything that put us in the default without any chance to recover. It hurts to see how people smiling behind your back enjoying your suffering. Our constant stress level impacted our health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: Equity Auto Finance, Inc.
State: FL

Complaint narrative:
this vehicle has been paid in full. I TRIED SEVERAL TIMES TO HAVE THE NEGATIVE ITEM REMOVED. there IS no way I COULD HAVE SOLD THE CAR WITH A CLEAN TITLE if i owed. IT REPORTS LATE AND OWES XXXX : XXXX STATES THAT THEY " VERIFIED '' THE INFORMATION THEY DID not,, I spoke with XXXX from Equity auto who claims theres no way it was verified BECAUSE THEY DO NOT REPORT TO XXXX. 

XXXX 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 2019-03-18 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: CA

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/XXXX Discharged XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX Discharge How can dismissals be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: CA

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-18 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: CA

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once  identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Spoke with 3 service representatives from syncb, all 3 refused to let me close my accts. I have XXXX store cards I want all XXXX closed.

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