vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Disputed a account from XXXX XXXX, on my experian credit report. Submitted dispute on XX/XX/2019, account was deleted on XX/XX/19. On XX/XX/XXXX I recieved three notifications at the same time. One my dispute was open, second it was almost complete, third was to view my results. Since I havent disputed this account I opened and saw they reinserted the credit acceptance account. I called experian, they said they give a company 30-40 days to respond XXXX XXXX failed to respond so they deleted the account. But credit acceptance responded on day 104, so experian reinserted the account. I asked why I havent received a 5 day notice of reinsertion. He said the dispute results were my notification. Seems Experian workers dont know simple credit laws.

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 2019-06-18 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: CA

Complaint narrative:
After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their egg Noreen my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX  XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.

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 2019-06-18 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: CA

Complaint narrative:
After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their egg Noreen my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.

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 2019-06-18 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: TX

Complaint narrative:
two days ago a significant, unknown negative item appeared on my credit report. Experian made no attempt to verify the debt. I filed a complaint and they've done nothing. I confirmed that the alleged debt - reported by XXXX XXXX - was purchased from XXXX XXXX XXXX and is allegedly from 2013 - well past the time I could do anything about it. I have no records and neither XXXX or XXXX can provide any. No effort has been made to collect this alleged debt until 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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I have mailed certified letters to Equifax, faxed requested information on multiple occasions, and filed online disputes in the last three months in an effort to contest inaccurate information on my credit report with Equifax. Equifax is claiming that I do not have any credit history with them. I found this out by attempting to unfreeze my credit report this year in XXXX with them which I initially froze on XXXX/XXXXXXXX2017. I was advised to initially put this freeze/temporary fraud alert on due to the Equifax data breach. First the data breach, now the protection from the data breach is doing more harm than help. It seems that I have just disappeared from their database without any explanation. In my letter I explained to them that I needed this request expedited because Im in the process of applying for a home mortgage which requires a Tri-Merge credit report from all three credit bureaus, and they will not allow me to proceed without my Equifax report. My request were met with multiple phone long calls where I was transferred around in circles to multiple departments, and never once did anyone resolve my issue. They continued to request the same information which I had already sent, and the end result was always the same. I believe their has been a database error on their part, and no solution has been provided. Im getting concerned that they have mixed up my name and SSN # with someone else. Im at my wits end with Equifax, and I do not know what to do next because Ive been trying for months to remove the fraud alert, and they are saying I do not have a profile with them which is bogus. I have lost out on expediting my mortgage process, and Im still in limbo with the lending company Im working with due to Equifax. Any assistance is greatly appreciated, and Im attaching the documents that I sent to Equifax already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I applied for a mortgage with Cornerstone Home Lending in XXXX XXXX Texas. The broker XXXX, XXXX ensured me that my income was high enough. He told me to start looking for home so I did. I found a home way under what my the amount which I requested for my application. On XX/XX/XXXX I emailed him requesting the status and received no response. I have called him over 20 times and he will not return my calls. Then he sends me an email on XX/XX/XXXX about having XXXX cash for closing cost which I responded I have XXXX but you are not returning my phone calls. He ran my credit twice because I was expecting an increase in my credit score after paying of a debt but it had the opposite effect. I have already terminated my lease expecting to purchase a home because he lead me to believe that everything was okay. I know for sure he would no do this to his XXXX customer. Then I spoke to another broker at the company explaining to him that his partner was ignoring my phone calls. He said he will find out way and call me back and never did. I feel so hopeless at this point. My credit score is above the 580 minimum required for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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:
two days ago a significant, unknown negative item appeared on my credit report. XXXX   made no attempt to verify the debt. I filed a complaint and they've done nothing. I confirmed that the alleged debt - reported by XXXX XXXX - was purchased from XXXX XXXX XXXX and is allegedly from 2013 - well past the time I could do anything about it. I have no records and neither XXXX or XXXX can provide any. No effort has been made to collect this alleged debt until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: UT

Complaint narrative:
Capital One # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy Docket #  XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: IL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a late payment in XXXX, XX/XX/2018on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XXXX, XX/XX/2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score. Please delete this item from my credit report and/or change the coding error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: WA

Complaint narrative:
Its been a month ( XX/XX/XXXX ) since Ive asked Discover to send XXXX XXXX their money back for a balance transfer that was sent from XXXX XXXX to Discover in error. Ive called Discover numerous times and was told to wait longer. Finally, on XX/XX/2019 I called Discover and was told that XXXX XXXX must fax a request for the money ( no one called me to tell me Discover is waiting for this fax ), yet XXXX XXXX already sent this request back on XX/XX/XXXX ( trace # XXXX ). Discovers customer service throughout this fiasco has been tragic and infuriating. Today I spoke with the executive office after filing a XXXX  complaint to expedite this crucial issue, and I was simply told there is an an open investigation with no promise of performance. 
XXXX XXXX case # XXXX - Discover case # XXXX - XXXX XXXX sent request for monies : XX/XX/2019, trace # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: A-1 Premium Acceptance, Inc.
State: TN

Complaint narrative:
I got a loan for XXXX last year I've been paying on this and i call to ask this company whats my pay off they told me that my loan goes up daily it wasn't a interest bearing loan how is this and their interest rate is 256 % this is predatory lending loan could someone help me get and understanding on how this work and how can they be allowed to get over on people

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I started the process of two money transfer from XXXX for TransferWise.com on XX/XX/2019, transaction numbers # XXXX of U {$1200.00} that was canceled, what a waste of time dealing with TransferWise and, # XXXX of U {$1200.00}, they send me emails to confirm that received at same day and the money should be in my XXXX XXXX XXXX account on XX/XX/2019. Now they tell me that was made the deposit and the problem is with XXXX  XXXX XXXX. I know XXXX XXXX XXXX for at least 18 years and everything works on properly time. Until today, XX/XX/XXXX XXXX XXXX  no money was credited!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 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: IL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a late payment in XXXX, 2018 on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XXXX, 2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score. Please delete this item from my credit report and/or change the coding error.

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 2019-06-18 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: IL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a late payment in XX/XX/2018 on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XX/XX/2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score.  Please delete this item from my credit report and/or change the coding error.

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 2019-06-18 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX  XXXX # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy XXXX # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy Docket # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.

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 2019-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy XXXX # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.

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 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
The account in question isnt mine. I have a different account with someone else since XXXX of XXXX and the account was open in XXXX of XXXX. I called the company and the company couldnt do anything because I dont have the account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received a notice with my name and social security number was listed as co-borrower for a student loan. I never opened or authorized anyone to use my information to take out a loan with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
This is a follow up from my last complaint that was submitted, but never resolved. Claim # XXXX. My private student loans were being serviced by XXXX  from XX/XX/XXXX. In XX/XX/XXXX, I got a letter from XXXX XXXX that due to the settlement of lawsuit, my private loan amount has been adjusted, and will be serviced through XXXX XXXX. However, instead of the account being transferred from XXXX, both XXXX XXXX and XXXX XXXX are billing me for the loan payment.

I have asked XXXX XXXX multiple times for the name of the servicing agent, that was servicing my private student loan from XX/XX/XXXX up until XX/XX/XXXX, when XXXX XXXX claims to have taken over my private student loan.

At the same time, I have asked XXXX XXXX for the Primissory note that I signed for the private student loan XXXX has been servicing since XX/XX/XXXX.

My loan should be serviced through either XXXX XXXX or XXXX, not both. However, I am currently getting bills from both agencies, and neither party is providing the necessary document.

I need to have the following information from XXXX : Primissory Note for my private Student Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I got a reverse mortgage XX/XX/2010they gave a total of XXXX in debt and I got XXXX but they told me I still had money up that I could get the money for repairs 6 months to a year but now they are changing everything they said around the loan officer I was dealing with is no longer working at champion mortgage now that I need my money for home repairs they are saying there is none I have reached out to them but nothing or no one has helped me now I am reaching to someone here I am senior citizen that's on fix income and no one wan na listen to me or help me I feel like I did something wrong I was only trying to help myself I really feel like I made a mistake my property was paid for before I went 2 these people they have traded my loan to over 4 different companies champion mortgage is the latest one can someone I TRUELY NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: NY

Complaint narrative:
My son signed for a private student loan with XXXX XXXX XXXX in the amount of {$9100.00} on XX/XX/2017. He is the sole person to sign the loan. He did not start to pay the poan on time and XXXX XXXX XXXX reported this loan on my credit report and put me down as co-signer of the loan. I have all the documents that where signed and there is no co-signer to the loan. I called XXXX XXXX XXXX to have this loan removed from my credit report and was told that i signed on the loan. I was told that she had the document and i asked for a copy. Weeks later i received the same document showing only my sons signature and no co-cosigner, my signature is not on the loan.

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 2019-06-18 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 incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On my XX/XX/2019 statement I had a {$0.00} charge. I paid the balance by sending payment for a {$1.00} the minimum my bank would allow. This provided for a {$0.00} credit. I received my XXXX statement and the bank debited my credit to make the balance {$0.00}. I called and they refused to reverse the wipe of my credit. I am owed {$0.00}. 

Funny how they wouldn't waive it when I owed them {$0.00}.

Company response to consumer: Closed with explanation