vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 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: FL

Complaint narrative:
We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment.

Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. 

We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. 

This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. 

We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.

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 2018-09-25 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: HI

Complaint narrative:
I made a loan with XXXX  XXXX XXXX that was charged off in 2017. I called the XXXX XXXX to pay off the loan and found out the loan had been sold to XXXX XXXX. I called XXXX XXXX to settle the account for {$7200.00}. 
I paid them {$100.00} on XX/XX/2017 and {$7100.00}. Experian, XXXX and XXXX still wont show on my credit bureau that it was paid off. When I sent in my request to have it removed the Experian said they contacted XXXX XXXX XXXX and they said " the chargeoff was correct ''. My response is there was a chargeoff but I paid off the chargeoff even though it was sold by XXXX XXXX XXXX to XXXX XXXX. XXXX paidoff The XXXX XXXX and I in return paidoff XXXX XXXX. 
My credit bureau should read that the chargeoff was settled and paid off! 
If you have any questions or need proof of payment I can email proof of payments! 
Thank you, 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 2018-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I received an email that my social security number was compromised on the dark web. I've contacted Transunion, XXXX, and XXXX to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXX that were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.

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 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Management Services, LP
State: ID

Complaint narrative:
I recently got married and went to my husbands bank to be put on his checking account ( XX/XX/XXXX ) so they pulled my credit and told me I couldn't get onto his account because I had a collection on there from XXXX XXXX. 
I was confused as to why I had a collection because I had closed my accounts there almost a year ago, so I called XXXX Bank ( XXXX @ XXXX ) and they said they sent me to collections due to a balance on my checking account. I had no idea that I had a balance on my checking account and when the account was closed no one told me that I had an outstanding balance to pay. Not only that but I guess they had an old address on file that I haven't lived at for over a year and were sending information and statements to that address. I moved into my new address XXXX of XXXX and had no idea these letters were being sent to my old address. Nobody called me or reached out to me in any other way so how was I supposed to know that I had an outstanding balance? The only way I was even brought aware of this debt was because I got married and tried to get on my husbands checking account. XXXX XXXX  told me it was my fault that I didn't give them the new address ( the account was closed or wasn't being used so why would I give them my new address? ). The collection company XXXX XXXX said that they couldn't help me either and I ended up paying the debt amount that was around {$51.00} ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: FL

Complaint narrative:
We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment. Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: FL

Complaint narrative:
We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment. Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.

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 2018-09-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I received an email that my social security number was compromised on the dark web. I've contacted XXXX, Equifax, and XXXX  to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXXthat were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received an email that my social security number was compromised on the dark web. I've contacted XXXX, XXXX, and Experian to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXX that were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.

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 2018-09-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase mortagage did not update my account information correctly. Credit report shows Ive been late on my mortgage payments for XXXX and XXXX of this year which is not correct. Ive been current on my mortagage payments since XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: ID

Complaint narrative:
I recently got married and went to my husbands bank to be put on his checking account ( XX/XX/XXXX ) so they pulled my credit and told me I couldn't get onto his account because I had a collection on there from US Bank. 
I was confused as to why I had a collection because I had closed my accounts there almost a year ago, so I called US Bank ( XXXX @ XXXX ) and they said they sent me to collections due to a balance on my checking account. I had no idea that I had a balance on my checking account and when the account was closed no one told me that I had an outstanding balance to pay. Not only that but I guess they had an old address on file that I haven't lived at for over a year and were sending information and statements to that address. I moved into my new address XXXX of XXXX and had no idea these letters were being sent to my old address. Nobody called me or reached out to me in any other way so how was I supposed to know that I had an outstanding balance? The only way I was even brought aware of this debt was because I got married and tried to get on my husbands checking account. US Bank told me it was my fault that I didn't give them the new address ( the account was closed or wasn't being used so why would I give them my new address? ). The collection company XXXX XXXX said that they couldn't help me either and I ended up paying the debt amount that was around {$51.00} ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
Every time I make payments I can afford, the debt collector agency is changed. The current owner has made no attempts in contacting via mail in attempts to make a payment plan but continues to report unpaid interest to the credit bureaus at a rate that im not aware of. Company make objective is to get the balance high enough via unfair interest charges to make a profit. The original balance continues to show up as charge off and now the reporting balance is thousands of dollars above that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
XXXX of last year my rent money order was stolen from the apt manager 's office where I live. A police report was filed. A fraud and forged complaint was filed with Western Union. On XX/XX/XXXX I spoke with the bank that cashed the stolen money order, XXXX XXXX XXXX XXXX XXXX is assigned this case, and they would like to make resolve this issue with me and issue a refund for the stolen funds. This dialogue was opened because of my XX/XX/XXXX complaint with Consumer Financial Protection Bureau. I spoke with Ms XXXX on XX/XX/XXXX and she advised me that she attempted to get the claim information from Western Union but was transferred around and each contact she had was unable to assist her so she called me for help. I called Western Union on XX/XX/XXXX and gave the customer service rep Ms XXXX XXXX   full name, phone number, fax number and advised that she represents XXXX XXXX   and would like to resolve this issue of the stolen funds for me. I was placed on hold and the customer service rep came back on and said that she would make sure the claim was forwarded to Ms XXXX. On XX/XX/XXXX Ms XXXX called me and said she had not received the claim or any information from Western Union. I received a letter today from Western Union saying that my claim was denied by XXXX XXXX and that they are sorry but must comply with banking regulations. Western Union is the problem here. I have assurance, in writing, the same received by you on complaint XXXX, that XXXX XXXX  is more than willing to resolve this defraud that happened to me. Western Union refused to send the claim and associated information to XXXX XXXX contact XXXX XXXX as requested by her and by me. To add insult to injury, Western Union enclosed a letter from XXXX XXXX that is dated XX/XX/XXXX stating that my request was denied however I have talked and received a letter from XXXX XXXX that says the opposite. Western Union is the cause of why this issue has prolonged for this amount of time. Ms XXXX advised me that XXXX XXXX  had never heard of my fraud/forged complaint regarding this money order that occurred XX/XX/XXXX. I need help getting Western Union to give XXXX XXXX XXXX   XXXX XXXX the information she needs to process the refund they have been trying to administer to me for over a month now. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
In XX/XX/2016, I sent a letter to Ocwen Loan Servicing ( OLS ) that it was becoming difficult to meet my current mortgage commitment loan payments ( Exhibit 1 ). I did not receive a response from OLS for 45 days. OLS suggested a loan modification and I agreed.

My complaint is that the process consumed nearly a year. I have signed many loans over my life and I expected the process would take one or two months the length that normal loans take to complete. The loan listed above was underwritten by XXXX XXXX and took one week to complete. With OLS it took a year to modify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has yet to provide the documents.

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 2018-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, I sent a debt validation letter to this company asking them to validate this debt they say I owe them. I have NO LEGAL BINDING CONTRACT with AD ASTRA therefore they need to cease communication with me as well as remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I set payment arrangements with debt collector for {$600.00}. ( have never missed on my arrangement ) I have been paying {$100.00} every two weeks. the last payment off {$100.00} was to be paid on Friday XX/XX/XXXX. Today it is listed as a collection on my credit report owning XXXX out of XXXX dollars. this is unfair practices. no reason, no notice or anything. I explained to the collector I did not want this on my credit and agreed to paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: Georgia Student Finance Authority
State: FL

Complaint narrative:
For the past several years I've been reporting false education late payments listed in my credit report directly to all three major credit reporting agencies. I've also taken my dispute directly with the school " Georgia Student Finance '' and they have not corrected the matter. XXXX was the original education loan I obtained and was in forbearance when Georgia was sold my loan - I was never late and the problem was with the exchange between the two institutions on how they handled handover. 

This false information has impacted my financial livelihood and is making very difficult to deal with - please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX XXXX is blocking third party apps from accessing financial information. Specifically the service 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 2018-09-25 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: SC

Complaint narrative:
I have contacted XXXX Experian and XXXX in reference to XXXX XXXXXXXX   inability to produce a contract bearing my signature obligating me to pay the charge off XXXXXXXX XXXX is reporting. XXXXXXXX XXXX only produced paid receipts and checks without my signature NO CONTRACT. XXXXXXXX XXXX did not indicate that my CR was in dispute within the 30 day requirement. Violations of the FCRA! Attached is a letter XXXXXXXX XXXX  sent me as a solution to their inability to verify the inaccurate reported information. Experian XXXX XXXX you must see that XXXXXXXX XXXX CAN NOT verify those accounts XXXXr does not allow CRAs to investigate accurately. XXXXXXXX XXXX can not verify these accounts lawfully. Please use the information I sent to verify that this is a mixed file that XXXX XXXX CAN NOT verify.

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