vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
XX/XX/XXXX charged a continuous fee of {$7.00} and a NSF Fee of {$36.00} XX/XX/XXXX charged a continuous fee of {$7.00} and a NSF Fee of {$36.00} My name is XXXX XXXX, Address is XXXX XXXX XXXX, XXXX, MN XXXX This is a new account, I was out of town due to a death in my family and did not realize my company had entered the last 2 numbers of my account wrong, therefore my DD 's did not hit and caused a overdraft. 

XXXX Sent an email to XXXX XXXX at the branch on XXXX XXXX and she said they would not waive the fees even though she was aware of the error. 

In a pandemic era, {$86.00} in bank fees is not reasonable. I will ensure I never have another one. Times and money are extremely tight and to me this is unethical and a money grab.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was called by an individual calling himself " XXXX '' with XXXX XXXX. He claimed that I was past due on my final electric payment from my previous residence from a year ago and I would have to pay my balance and fees to XXXX. The number he called with was the XXXX customer service number. 

The total he said was {$300.00} He directed me to pay " XXXX XXXX '' via Zelle. The name and number that came up for " XXXX XXXX '' was XXXX and the number was XXXX After I sent the amount, he got very pushy and was requesting that I send another quantity, which I then realized what was happening. I hung up, he tried to call back multiple times using the actual XXXX XXXX customer service line. When I called the number back and got XXXX on the line, they confirmed that it was in fact a scam, and that I did not owe any amount of money to the company. 

I called my bank, XXXX, and filed a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TN

Complaint narrative:
On my credit report a public record labeled " XXXX XXXX XXXX  TN XXXX '' is allegedly being reported from the XXXX XXXX XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the XXXX XXXX XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately.

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 2022-05-25 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with 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 non-monetary relief
Consumer complaint received 2022-05-25 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: Informative Research
State: GA

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else applied in my name. 

According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized inquiries must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
We bought our property in XX/XX/XXXX and it was under my husbands name and my brother 's name. And within few months of purchase we transferred the property under a trust. And last year we have applied for loan modification in XXXX. And we have submitted proof like copy of recorded deed showing that the property is under a trust and copy of living trust to Midland Mortgage. But our mortgage company keeps adding my brother on the loan modification document who is no more the property owner and they want his signature on the document, which is not possible, because he is not on the deed. Midland mortgage is unable to resolve the issue for over a year now and now the interest rates have went so high that it has increased our monthly mortgage big time.

All we want is the mortgage company to put the trust name or the trustees name ( my husband ) on the loan modification document but they are unable to do so, as a result its under review for almost a year now and now they want us to sign the documents with wrong names and pay higher interest rate. 
i have submitted all the documents and proof on time but nothing happened. all i want is the mortgage company to offer me the same interest rate that it did earlier when i applied for loan modification. i don't understand how is it our fault if the mortgage company is unable to resolve the issue for almost a year now with all the documents and proof showing the property is under a trust. So why should i pay higher interest. 
And if this gets delayed for another 6 months and interest rates keep going higher then i guess my payments will be way higher than it was before Covid. 
please help to resolve this issue.

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 2022-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I am requesting assistance with stopping the foreclosure sale on my property scheduled for XX/XX/2022. My husband died and it is a struggle for me to pay the mortgage. There is a buyer that wants to purchase my property. My real estate agent and I have contacted the mortgage company ( Freedom Mortgage ) and submitted ALL the documents they requested for a short sale. We were informed that there was enough time to review the short sale. 

On XX/XX/2022 my real estate agent did a follow up phone call with Freedom Mortgage. After submitting all the short sale documents, they are now saying there is not enough time to review the short sale due to the scheduled foreclosure sale of XX/XX/2022.

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 2022-05-25 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: AZ

Complaint narrative:
I have 3 inquiries that I did not authorize and and have 1 account with inaccurate charge off status and a XXXX  XXXX listing that is not mine and the county court house says they do not report to credit bureas so this must be deleted. See letter that is very detailed on these accounts

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 2022-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I borrowed {$9400.00} from Sallie Mae in XX/XX/XXXX to finish my education. From the loan disbursement date to the start of repayment, XX/XX/XXXX, I was charged capitalized interest totalling {$1500.00}. Those charges are incorrect as I was in my grace period before payments began. 
Capitalized interest is only charged when the interest was not being paid on the loan as you know. Moving forward in my account history, you can see I have been charged this interest multiple times in a total of {$9700.00}. Those charges are well over the amount I had borrowed. 
In total, my account was charged {$11000.00} for capitalized interest. The interest was paid monthly so these charges are inaccurate and I am requesting Navient correct their errors and have them removed immediately. 
Over a year ago, I contacted customer support over this matter and the representative reported there was nothing I could do about it except pay the loan off. Indeed, this information is incorrect. According to the XXXX XXXX XXXX XXXX, to comply with consumer protection laws of the Fair Credit Reporting Act I must have clear and accurate documentation regarding these charges. 
This includes the loan being modified in a favorable position to the borrower, delaying loss recognition resulting in inaccurate loan valuations. Neither of these rulings have applied to my case. It is simply illegal to make these false charges onto my loan. 
A loan I have been paying on for over a decade in the original amount of {$9400.00} with an interest rate of 7 % is well paid off and settled. 
The next inaccuracy I would like to bring to your attention is the late charges I was randomly charged. My loan is settled and needs to be closed out as I have paid it off. On XX/XX/XXXX, a disbursement was made of {$24000.00} without my consent. Then on XX/XX/XXXX I was charged a resale of {$10000.00} which is also not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: DC

Complaint narrative:
XXXX XXXX XXXX, XXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for XXXX year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court XXXX ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. 

I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

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 2022-05-25 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: DC

Complaint narrative:
XXXX XXXX XXXX, XXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for XXXX year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court XXXX ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. 

I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service
State: HI

Complaint narrative:
The following account Military star was closed and charged off on XX/XX/2019 Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not hav an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : Best regards, 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 2022-05-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian via email last XX/XX/2021 about the issue of them not reporting my credit history or score other credit reporting agents are reporting my score and my financing institutions are reporting. My complaint also relates to how difficult it is to even contact this company in order to resolve issues such as this I feel that the customer service aspect has been overlooked.

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 2022-05-25 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
Im in XXXX program and i never received internet

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 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
Sequium Gave out information without getting my consent this would be the second time they have Gave out my information to someone other than me. I have not spoken with Sequium for the bill that was sent out to them by XXXX XXXX XXXX. A woman called as stated by rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: AZ

Complaint narrative:
I have 2 inquiries that I did not authorize and have 3 credit card accounts that have in- accurate dates of last acitvity and a inaccurate charge off status and 2 previous addresses I never lived at

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Funding was collecting money from me, as stated in a response from them, they have collected XXXX $ on an account THAT then WAS transferred, WITHOUT REFLECTING THE UPDATED BALANCE OR GIVEN REASON THEY SOLD MY ACCOUNT. One account that they bought was a result of Identity Theft and since the investigation of identity theft began they sold this second account they were handling, the first company they sold it to was called, XXXX XXXX XXXX XXXX, i contacted the 3 main credit bureaus about this account and due to their investigation, they deleted it, shortly after telling Midland about it being deleted, it appears that they got the account back and sold it to a new company. I am unsure as to why all of this happened and why they collected money from me to just sell it twice, with not reflecting all what i had paid on this account, but the more this goes on, the more i am concerned that this account is as well a result of Identity theft, as well as the other account they were handling. Attached is the police report regarding one of the other accounts that was closed due to identity theft and also attached is when XXXX deleted the account, as midland referenced, account number XXXX, was deleted from my credit report, and lastly attached is Midland 's response when they deleted the main account due to identity theft.

Company response to consumer: Closed with explanation