vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-18 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: AES/PHEAA
State: GA

Complaint narrative:
To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX2.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX3.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX4.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX5.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX6.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX7.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX8.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX9.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
Last summer  I saw a XXXX ad for a company called Transferwise  I am very Financially minded so I was interested in the services of the company , especially their Borderless Account , allowing you to transfer money  Between various currencies instantly all within the app   I had no particular use for the service at the time , but I wanted to play around with it, and since the company officially allowed for payments using visa or mastercard  , and because my Chase credit card did not treat transferwise like a Cash Advance, which at the time I thought was neat, and could be useful in some way to make me some extra money  ...  I continued to use the service as intended for about three months, until I got  an email from transferwise saying they were shutting my account down      I asked them to refund me any and all transactions, but they quite openly and rudely refused  , leaving me with about $4,500 in fees...    I asked Chase to dispute and and revoke the transactions, but they were pretty much powerless, and or did not want to get involved    ...   and now Im stuck paying down $4500 in fees     ....   it would be nice if yall could force transferwise to return as much of my money as possible....  ThanksXXXX  PS  I would have submitted this earlier , but honestly was a little sceptical to submit this , until somebody mentioned to me , that in this Case I very much have grounds to submit this case

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: GA

Complaint narrative:
To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX2.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX3.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX4.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX5.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX6.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX7.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX8.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX9.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $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 2019-08-18 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: GA

Complaint narrative:
To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX2.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX3.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX4.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX5.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX6.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX7.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX8.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX9.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: GA

Complaint narrative:
To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX2.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX3.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX4.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX5.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX6.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX7.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX8.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX9.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $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 2019-08-18 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: UT

Complaint narrative:
Equifax willingly and freely continue verify accounts involved in FRAUDULENT ACTIVITIES. The accounts should have been removed they continue to use XXXX instead of abiding by the law and retrieving the POLICE reports and doing a REAL 100% complete and accurate investigation. Their XXXX system eliminates a 100% complete and accurate investigation. I REQUESTED THEM NOT TO USE  XXXX considering there is a ACTIVE POLICE investigation and it clears they used it anyways to verify accounts that should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX  XXXX /XXXX  paid off shows a balance,  XXXX XXXX /XXXX  balance  XXXX balance should be XXXX   paid off

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 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello--I have tried to "permanently remove a security freeze from (my) credit report" at specifically Equifax in order to purchase a XXXX Contract; but Equifax will not allow me to do this through their Online and Telephone Consumer Credit portals. I have tried 8 times Sat (XX/XX/2019) and 4 times Sun (XX/XX/2019) -- each time following their instructions, namely:Per the "XXXX" website, I first created an online account, only to receive this message 12 times in 2 days (see above dates reference:) "Please give us a call -- We can't complete your request at this time. Please call the Customer Care team XXXX   Customer Care is available between XXXX XXXX.XXXX. and XXXX (ET), 7 days a week."I then, per their instructions referenced above, call the provided phone number (XXXX) and follow the automated voice instructions during the call, namely:A-Provide the reason for the call (#5-Other) and (#4-Agent) and (#0-Agent); and thenB-Provide "4-pieces of information to verify (my) identity," (i.e. #1-Mobile Phone No., #2-SS No., #3-Numeric Street Address, #4-Zip Code). After providing the information requested by the automated telephone prompter, I have received this message 12 times: "Unfortunately, the system is unavailable right now. Equifax.com is available 24/7 to answer questions and provide additional self-service options. Goodbye."Additionally, I also went to XXXX/ "Frequently Asked Questions" webpage, to the "Customer Care for your Equifax credit report" section, and called the "Customer Care Phone No. XXXX" and got the same previously described automated telephone prompter system that gave the same message (indicated above).Consequently, as a Credit Consumer, I cannot access Equifax whatsoever, either online through their provided "Consumer Create an Account" Online System, or by their own provided Customer Care Telephone Number through an automated voice identity verification system so that I may "permanently remove a security freeze from (my) credit report."

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
My name is XXXX XXXX and I attended the Institute of art in XXXX MA in XX/XX/XXXX and XX/XX/XXXX. I am looking for relief from a private loan that has been existent since XX/XX/XXXX. The financial process has become unbearable with Navient and I am honorably requesting a relief from this loan. The loan was payed faithfully for over 10 years and it seems that it barely affects the balance.I did not attend after XX/XX/XXXX and I have run out of options for getting help, so I will seek further sources but I'm presuming that this school had control over this loan. Please email me with any information to relief this redundant debt that has left a mark of struggle for years. I will provide the loan detail with response and trust.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA

Complaint narrative:
I have tried tor to resolve my issue of a loan modification with Bayview Loan Servicing several times. I have resently filed a complaint against them for not allowing me to have modification do to an issue with my employement during the last one that made it impossible to make the third , and last payment on time for my last modification. I gave them evidence of the change in income, and job that caused this, and it was not excepted, even though I did try to make the last payment only two days after their cut-off date . In their last denial, they gave me the option to file for another loan mondification along with sort sale , and deed in-lew of foreclosure. I submitted a new loan modification application on XX/XX/2019, requesting new consideration. I Am doing this new application even though it has been over a year since the old approval , to which they have denied my because I an still the year due to when the trial months fell, not the approval itself. I want to ensure that I will be given fair consideration , and not rail-roaded into losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2019, I discovered that Capital One Bank had closed my account and reported me as "deceased" to credit monitoring agencies. I have told Capital One Bank that I am alive and well.  I have filed disputes on the report from Capital One Bank with XXXX, XXXX, and XXXX. At this point I have great concern that Social Security thinks I'm dead as well and that I may not get my scheduled benefits. I am unable to log in to my Social Security account online, so will try again on Monday to contact them. At first I thought this rather humorous, but if I have problems with Social Security benefits it won't be funny at all. I suspect that this has happened as a result of the massive data breach that occurred at Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was checking my credit score through (XXXX) a company that I believe works with my credit card company (XXXX XXXX) and came across alert for a new credit inquiry that had taken place at the beginning of this month (XX/XX/XXXX) through XXXX from Home Depot (XXXXXXXX XXXX XXXX XXXX, SD XXXX). I did not inquire for a Home Depot card and this caused my credit score to drop, obviously as a result of identity theft and or Home Depot pulling my credit file for whatever reason to approve me for a credit card that I have not applied for. I am not sure which of the two is the actual reason why Home Depot would inquire my credit report or score from XXXX. All I know I have NEVER applied for a Home Depot card and now someone is trying to open a card under my name.

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 2019-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc.
State: CO

Complaint narrative:
XX/XX/2019 $XXXXI tried to talk to the collections company and ask them to prove I owe the bill , I've spoken with their client who has told me a XXXX year old child sign for services

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 2019-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC was not allowing mo to pay my loan over the phone. I tried several times but it failed. The automated system was telling me that my payment was submitted successfully   but then he payment never should up and i was keeping on being charged interest for a full month extra. I tried over 5 times to make payments in that month but everything was failing. I was away on vocation so it was impossible for me to go into a branch and make a payment.

Company response to consumer: Closed with explanation