vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Purchased a new XXXX from XXXX XXXX finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that XXXX was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since XXXX was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XXXX XXXX, XXXX. In XX/XX/XXXX XXXX started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. XXXX never reported those payments. I received my settlement in XX/XX/XXXX and XXXX accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.

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 2017-08-10 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: VA

Complaint narrative:
These inquiries are not recognized and there are multiple of several or the time is up and they should be removed. At one time I had a fraud alert on my credit file in XX/XX/XXXX when some of these were done. XXXX XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have called Navient in an effort to pay off any and all late fees. They have assured me that there are no late fees on the account, however, it is still showing on my credit report that late fees are being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: IN

Complaint narrative:
My wife has 3 subsidized loan at 3.8 % a 3 unsubsidized at 6.8 %. She has giving me permission on her great lakes student loan account and something does n't seem right. She has n't graduated yet but is n't attending right now because we have kids at home. I believe the 6.8 % is to high, and believe that for a graduate student the max is 5.7 but I might be wrong. Can you please give me some advice or direction on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: GA

Complaint narrative:
I have reached out and disputed with XXXX, transunion, and XXXX about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.

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 2017-08-10 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:
I have reached out and disputed with XXXX, XXXX, and experian about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, REGIONAL XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.

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 2017-08-10 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: AL

Complaint narrative:
XXXX, TRANSUNION, AND XXXX ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX  XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX 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 2017-08-10 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: AL

Complaint narrative:
XXXX, XXXX, AND EXPERIAN ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX 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 2017-08-10 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: FL

Complaint narrative:
violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.

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 2017-08-10 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: FL

Complaint narrative:
violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: OK

Complaint narrative:
XXXX XXXX, in XXXX Oklahoma, has reported our mortgage payment to have been late over 30 days twice. This is not the case. I would like a statement specifying exactly which month XXXX XXXX is claiming we were late on a payment, as this was set up as an auto draw. A falling out occurred between XXXX XXXX ( spouse ) and XXXX XXXX, President or vice president of XXXX XXXX, Regarding the new financing of a new home in XXXX of this year, 2017. XXXX XXXX did send a text to XXXX XXXX advising him it was not wise to use another bank However ; using another bank does not justify the false reporting of late payments. I have tried to call several times and have not received an answer from XXXX XXXX. Please advise why late payments are showing as derogatory credit on my credit report when zero payments have been late or 30 days late. Thank you 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 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX, XXXX, XXXX ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Yesterday, I found that the Transition system glitch affected my inquiries on my credit report. I was notified with the 5-day legal notice. I then contacted Transunion and they would not honor my request.

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 2017-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My wife had been solicited online from a mystery shopper scam. On XX/XX/XXXX I personally took the check {$2800.00} to the branch closest to me chase bank branch location XXXX. The teller XXXX cashbox # XXXX, explained the check may not be available till XX/XX/XXXX but, if you have online banking, you will be able to see if funds are available and you know you can use them.The very next day the funds were made available. We had over seven thousand dollars in the bank and the very next day we had over 10,000 dollars available because of the check clearing! I explained to my wife she could use the funds! She did so immediately to participate in the mystery shopping because we thought it was okay because of the information provided by the teller. We were not desperate for that money because it was evident we had money in bank already.We trusted the expertise of Chase bank being liable verbally and being experts.I arrived home that night from work and the bank had charged us back because the check was no good.My wife contacted the bank manager.XXXX or XXXX said they do make funds available sometime before the check clears. I met with bank manager XX/XX/XXXX and he was high toned and felt they were not responsible in any way with the arbitrarily decision if we see the funds available we could start using them. All the teller had to say was it would not be available to XX/XX/XXXX like it says on the reciept.That was the greater offense.We have banked with Chase bank since at least XX/XX/XXXX and the branches we lived around got to know the people and they would have never treated us like this. They felt some responsibility because they waived the return check fee! I felt they made the money available because we had money in their already and felt if it was a problem it would be on us.I asked XXXX who his boss was and said I ca n't give you his number but XXXX would be calling you.That never happened! Their complaint department called me twice and sent me a letter saying they want to help.I called to this date at least 8-9 times and spoke with two people on different occasion. One person says well it 's a specific person handling your situation. The other time another person says basically the same message and I told her I am going to arbitrators and she says yeah we really ca n't do anything because of fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: Midwest Recovery Systems
State: GA

Complaint narrative:
I recently started monitoring my credit report more closely using XXXX XXXX. On XX/XX/XXXX I noticed a collection on my XXXX report from a Company called " Midwest Recovery Systems, LLC '' for {$850.00} for a payday loan that was open XX/XX/XXXX. The original creditor 's name is " XXXX XXXX XXXX ''. On XX/XX/XXXX, I sent a certified letter to XXXX disputing this fraudulent account/collection. My dispute letter was received on XX/XX/XXXX. Today, XX/XX/XXXX marks my 30 day mark of waiting. I am currently waiting for XXXX to respond via mail. I have never applied for a payday loan. I have never heard of either company, as well. I was unemployed throughout the entire year of XXXX. I did not have a bank account either. This is a fraudulent collection on my account from a bogus company that stole my identity. Currently ( XX/XX/XXXX ), my XXXX report states that this collection is being disputed, but that is still not good enough for me. I decided to file a dispute with the CFPB, after reading many reviews of people filing a dispute with XXXX and still not getting a resolution. I have read thousands of reviews of other consumers stating that " Midwest Recovery Systems, LLC '' did the same to them. How is this company still able to do this without legal ramifications? I am ready to send a legal notice to Midwest Recovery Systems, LLC with the intention to sue, if this fraudulent collection is not removed from my account. I have never received a single communication from this company saying that I owe them, or that the collection was going on my credit report, which they have to give me a 30 days notice before that is done so I can dispute. They did not do this, because the company is practicing illegal credit reporting. So many laws have been broken. This is beyond criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: NY

Complaint narrative:
I called XXXX today ( X/XX/17 ) to report that a hard inquiry from them appeared on my Experian Credit Report since I have never had a XXXX XXXX account, nor did i ever inquire into getting one. I was passed along to 10 different departments in their fraud department where they determined I, in fact, had no accounts at XXXX in my name and they suggested I file a report here. I would like this hard inquiry removed from credit score ASAP. I 've attached a screenshot of the hard credit inquiry from XXXX XXXX AND XXXX which appeared that same month. XXXX XXXX was able to let me file a complaint through their website, but both should be removed from my credit score ASAP.

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 2017-08-10 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: SC

Complaint narrative:
The computer glitch that Transunion had caused my inquiries to be deleted. Transunion later added them all back on my credit report without giving me the legal required wriiten notice five days prior to them re-adding. I have contact transunion in good faith on 2 separate occasions to ask them to delete the inquiries that they have illegally re-added but they have not done so. They told me I have to wait until they dropped off and the were unable to help me with this matter. These inquiries add an hardship and my rights were violated by transunion. I am asking and pleading for your help to have transunion to stop victimizing me. As a a resolution may all of my transunion inquiries be permanently removed from my report as a violation that took place when they were illegally added.

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 2017-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
I have contacted LoanCare on multiple occasions, With my loan switching from one to another I never knew that my loans may have overlapped, I have faxed, email, and called to show proof of payments to keep my loan current and pay off on any late fees that may have occurred during this time. Yet no answer if my loan was current or payments that I would need to pay. I have confirmed that they have my direct payments info at their location they refuse to use that to take out payments from month to month. I 'm really frustrated with this entire company now I 'm scared that I may lose my home because of the lack of communication they have with the customer.

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 2017-08-10 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: AZ

Complaint narrative:
Equifax will not remove a XXXX XXXX paid in XX/XX/XXXX. The lien was for taxes from XX/XX/XXXX, which would be 15 years ago. I am being penalized for a debt from 15 years ago. Every time I dispute this, no one considers the fact it was XX/XX/XXXX. Also, according to the new laws concerning tax liens for XX/XX/XXXX, I feel it definitely should be removed. Every time they contact the state, they have the date for 2008 ( even though it is for XX/XX/XXXX, not XX/XX/XXXX ) which would also be 9 years.

Company response to consumer: Closed with explanation