vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX , XXXX , DEPT OF ED/XXXX  , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/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 2019-07-25 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: MS

Complaint narrative:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX, XXXXXXXX XXXX XXXXXXXX , XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: MS

Complaint narrative:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, 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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2019-07-25 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: SD

Complaint narrative:
I returned a leased XXXX vehicle XXXX/ 2019 and received a bill dated XXXX/XXXX/2019 on XXXX/XXXX/2019 stating amount due for disposition fee and damages {$1100.00} due by XXXX/XXXX/2019. I called in and disputed some of the damages since the vehicle was not picked up until XXXX/2019 and had been moved to a different location where possibly some damages may have occurred during the move. I asked what my options for payments were and was informed {$180.00} per month until balance paid. I received notice on my credit card statement I had a delinquent report from XXXX XXXX XXXX/XXXX/2019 in the full amount of {$1100.00}. I called XXXX/XXXX/2019 and questioned customer service why they reported me late and she said they would correct it and I set up payments and paid {$180.00}. I checked my credit report and she had corrected the XXXX XXXX but not the experian report. After numerous calls to XXXX XXXX I was in formed that they could do nothing and I would have to contact experian directly to correct it. I called experian and was told they could submit a dispute to XXXX XXXX but could not remove the delinquency and suggested contacting CFPB.

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 2019-07-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I purchased an XXXX XXXX XXXX in XX/XX/XXXX. In XXXX of XXXX, I had the vehicle refinance with XXXX. The payments on the account was {$650.00} a month. I was making the payments on time, until we have the government shut down. So, I got behind on the payments. I had a hard time making the payments, so I voluntary to have the vehicle repo XX/XX/XXXX. The vehicle had an balance that was left over from an vehicle that we traded in for the XXXX. XXXX sold the vehicle for {$12.00}, xxx.xx. So that left me paying {$16.00}, xxx.xx on the balance. XXXX is putting an negative item on my credit report, stating that the account is charged off bad debt. The account is not bad debt, because I voluntary had them to come and get the vehicle. The account need to be positive and showing that the balance was dropped from $ XXXX to {$16.00}, xxx.xx

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 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Utter and complete incompetence throughout the entire process. I would never use a chase loan product again. 

I am a XXXX XXXX and a XXXX  XXXX XXXX. I understand loans and how to get them. I sent them every required document with in 48 hours of requesting it. The loan was approved and all set to go. 24 hours before close they found 'problems ' and needed more documents. Which we provided. They strung us along for about 2 weeks after that ignoring calls and emails. Continually blew deadlines and expectations. The issue was around low income ( but massive assets ). They still stated that they were able to provide the loan in a program for folks with low incomes but high assets. But after about 2 weeks they said they would not be able to put is in that program, that it was only for a primary residence. Which is enraging as they knew all along it was an investment property but strung us ( and the seller ) along. Chase also advertised a " Closing Guarantee '' If Chase is at fault missing your closing date ( which they clearly were ) they will pay you {$1000.00} See Here : XXXX XXXX   XXXX I did not expect to get this mainly because they were so bad at everything but it sure feels like false advertising to me. 

Fine through all of that I could at least accept their incompetence. We bought it cash. However I am still waiting on them to refund this {$500.00} deposit I put down. 

I am happy to give a more complete and detailed explanation at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-25 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: GA

Complaint narrative:
I have identity fraud alert on my credit reports and I'm having a hardest time having the items removed. I was an victim of identity theft back in 2015. I sent all three credit bureau a copy of the police report, stating that someone used my Social security number for their personal access. I have been fighting this for almost four years and they issue is still not getting resolved. I have a lot of hard inquiries that have not been removed, accounts that are not mines and etc. I was thinking about getting a lawyer to have this issue resolved. It is hurting me a lot, because I can not get approved for loans. Every time I dispute an inquiry or an account, the credit bureau always send a letter stating that the account was validate. I don't know what information they are using to validate that it is me. I know that they have an alert on my credit report stating that they suppose to be calling me when someone is using my information, but the creditors are not calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NIC, Inc.
State: TX

Complaint narrative:
My fiance 's parents received what appears to be a collection notice from an organization called Nemo 's Investigations and Collections ( NIC ) for a debt of {$90.00} plus interest, dated XXXX/2019, via USPS at their residence. The date of receipt is uncertain ; this notice was delivered sometime before XXXX/2019. 

While I do stay there with my partner and our XXXX son on occasion, I do not receive mail there nor have I counted it as a residence at any time. 

The notice contains no mention of the original creditor or any other identifying information that correlates it with any money I may actually know. Moreover, I was out of state on a work assignment during the time and, so far as I know, did not incur any debts on my trip. 

The notice does, however, contain a message from an individual named XXXX XXXX. 

Today, I received a call on my cell phone from the number listed on the notice, wherein a person identifying himself as XXXX XXXX requested a callback, without identifying himself as a debt collector or the call itself as an attempt to collect a debt, in violation of 15 USC 1692b rule 6 : ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have requested to great extent that Wells Fargo who is the servicer on this loan, allow me a work out plan that will be beneficial for all. I am only late four months with this mortgage. After 30 days of my request for a loan modification I received a letter from Well Fargo to say that my application was unsuccessful due to my income. However, at the same time of my request for a loan modification I was also in the process of selling my home at XXXX XXXX XXXX which, its mortgage was consider an expense in my household expenses. 
Just to familiarize you with my hardship, it all occurred during and after the market crashed. The rising cost related to subject property, tenants defaulting on the rent and must painful and horrific the loss of XXXX   XXXX. I am an XXXX. 
Not only did I lose my income, but I also lost my health.. All I could think about it was the devastation that this economy introduce to me. 
Unfortunally, after all the struggling in 2010, I was admitted to XXXX XXXX  in CT. under XXXX care due to circumstances beyond my control. This was a long unexpected journey. I was there for 3 years.. 
I have enclosed medical records to Wells Fargo. Have updated all kinds of documents concerning my financials to no success. 
All I am asking is for Wells Fargo to give me the chance of giving me a lower Trial payment. This is what I can do for the moment. {$5.00}, XXXX. 

Please I want to keep my home. 
I am now competent to make financial decisions and handle my financial affairs. I am determined to maintain my financial current I am also confident that I'm able to afford payment based on my wife 's and my present income. 
Please I need to lower my rate, and extent my terms of the loan and adjust my principal. Refinancing is not an option at the moment. The subject is under water. ( See appraisal ). 
Kindly confirm receipt of this request and advice as to the next step.

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 2019-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Improved Data Services LLC
State: CA

Complaint narrative:
XX/XX/19 around XXXX ( work hours ) XXXX XXXX from Improved Data Services called my sister ( XXXX ) from phone # XXXXXXXX  & informed my sister that a legal matter was being brought towards me. I returned XXXX XXXX call at phone # XXXX, after she left me a voicemail. I requested that she NOT contact my family members regarding a matter that does not concerns them. She then left me another voicemail while I was at work. She then called my job, asked for me, left her name & hung up when I picked the call up. Harassing my family members & bothering me at work is not the way to conduct business.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please see attached letter from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: CA

Complaint narrative:
My complaint is against XXXX XXXX XXXX Account # XXXX, open : XXXX, status Paid and closed with {$0.00} balance and Equifax credit bureau. Back on XX/XX/XXXX I sent a letters to the mentioned companies letting them know that Im a victim of fraud and account has to be removed, as required by the California Reporting Act, due to the fact its fraud related. The fraudulent account was removed from the other 2 credit bureaus only Equifax has not done so, making a violation to the FCRA. Im attaching the letters a sent to the mentioned companies on XXXX, with a Federal Trade Commission report that was also sent to the mentioned companies. This account has to be removed from my Equifax credit report or else I will take legal action in the event that this account remains in my report. I have a {$400000.00} mortgage loan pending due to this error of this mentioned companies. This is my last source Im using to fix this error and if it is not fix it will be resolved in court. I would also want to request a deletion letter from XXXX XXXX through CFPB portal as soon as possible to provide to mortgage company. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: GA

Complaint narrative:
I have identity fraud alert on my credit reports and I'm having a hardest time having the items removed. I was an victim of identity theft back in 2015. I sent all three credit bureau a copy of the police report, stating that someone used my Social security number for their personal access. I have been fighting this for almost four years and they issue is still not getting resolved. I have a lot of hard inquiries that have not been removed, accounts that are not mines and etc. I was thinking about getting a lawyer to have this issue resolved. It is hurting me a lot, because I can not get approved for loans. Every time I dispute an inquiry or an account, the credit bureau always send a letter stating that the account was validate. I don't know what information they are using to validate that it is me. I know that they have an alert on my credit report stating that they suppose to be calling me when someone is using my information, but the creditors are not calling me.

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 2019-07-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have identity fraud alert on my credit reports and I'm having a hardest time having the items removed. I was an victim of identity theft back in 2015. I sent all three credit bureau a copy of the police report, stating that someone used my Social security number for their personal access. I have been fighting this for almost four years and they issue is still not getting resolved. I have a lot of hard inquiries that have not been removed, accounts that are not mines and etc. I was thinking about getting a lawyer to have this issue resolved. It is hurting me a lot, because I can not get approved for loans. Every time I dispute an inquiry or an account, the credit bureau always send a letter stating that the account was validate. I don't know what information they are using to validate that it is me. I know that they have an alert on my credit report stating that they suppose to be calling me when someone is using my information, but the creditors are not calling me.

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 2019-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
On XX/XX/2019 I received notice from PHEAA Fedloan Service ( via my online account inbox ) that I must began paying my student loans effective XX/XX/2019. I submitted to PHEAA via their online complaint there is an error that my summer school began on XX/XX/2019. I uploaded a copy of my course enrollment receipt indicating the student loan amount for summer school. They refuse to accept the information stating they had already checked the federal data base which indicated I was not an enrolled student. Within my online PHEAA account lists my last student loan amount of {$3800.00} which was disbursed to me on XX/XX/2019. That is confirmation that I am a current enrolled student coming PHEAA 's information regarding my student status. PHEAA still refuse to make the corrections removing me from being in delinquent. I have proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AAA COLLECTORS, INC.
State: CO

Complaint narrative:
I received a Judgment from AAA Collectors , Inc . They sent me letters on XX/XX/XXXX and XX/XX/XXXX, according to their office. I had just moved to my new residence in XXXX and told them I couldn't get mail because the mailbox has a lock and there was troubles with the post office assigning the incorrect mailbox. I never received any letters from them. Then fast forward to this XXXX in which I missed a court date in XXXX to defend myself because I did not receive the summons from AAA collectors. They have advised that an XXXX XXXX hand delivered this summons to me on XX/XX/XXXX which is untrue. I have never received a summons hand delivered to me, thus making me unaware I had a court date. I called AAA Collectors , IncXXXX and asked them to call their processor to verify his statements as he lied about hand delivering me a summons. They refused to do so. I am asking the judgment be removed and my credit be fixed. They are charging me {$160.00} in interest and {$170.00} in court fees.

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