vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 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: TX

Complaint narrative:
IN REGARDS TO : XXXX XXXX XXXX ; XXXX XXXX XXXX TEXAS XXXX I've sent letters to the furnisher disputing the account listed below. I have not heard back from them, but they have verified the account as accurate .CAN THEY FRAUDULENTLY DO THIS? XXXX XXXX XXXX? VERIFYING AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 

I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS.Because of this, Im requesting information about your procedures put in place to verify this account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was opened and charged - off. 


PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CT

Complaint narrative:
I filed a bankruptcy and One Main Financial offered a re-affirmation on the debt, lowering the amount and interest rate, this enabled me to request and attain a Bankruptcy dismissal this past month. 
The re-affirmation new payment was to start today XX/XX/18 and when I called to make the first of 48 payments for the car loan, they then told me this was no longer a valid offer because I dismissed the Bankruptcy, I said as you know I dismissed it because you gave me an affordable re-affirmation as we discussed. They ignored me and their earlier assertions. 
The loan was XXXX dropped to XXXX, the interest rate from 19 % to 6 % I feel this is bad faith lending practices by One Main Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 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: FL

Complaint narrative:
I have disputed an account with Experian that is being shown as current when it was really closed in XX/XX/2013. They finished their dispute and have left the account open. It is materially effecting my credit. 

The account in question is with XXXX for {$16000.00}. I have reached out to XXXX and they have provided a letter stating it was closed in XX/XX/2013. 

Please help in getting this removed from my report. 

Thank you 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 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: AZ

Complaint narrative:
XX/XX/2018 {$450.00} owed AR Recovery Resources I have disputed this matter 4 times and contacted company and they can not tell me who thebcollection agency is butnit is on my credit report and i have not had any debt collectors since my chapter XXXX bankruptacy 3 years ago. So thisnis not my account and it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: NJ

Complaint narrative:
TransUnion has me listed at a previous address in XXXX, Maryland. I have never lived in XXXX, Md. 

This need to be corrected. TransUnion consistently continues to get things WRONG ... very WRONG!!! 

I need this corrected and an explanation why incorrect entries continue to show up on my credit report and score.

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 2018-12-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PR

Complaint narrative:
The Company FCO submit in my credit an amount of {$7700.00}, I called and they said that I took a Rental House in XXXX XXXX  at XXXX XXXX in NJ, But I never live in U.S and I can prove that Im a XXXX XXXX and they do a complete background on my identity, I also received many letters from other Collector like XXXX, XXXX, etc for utility bill that I dont know.

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 2018-12-19 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: NJ

Complaint narrative:
I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XX/XX/XXXXXX/XX/XXXXAcct # XXXX 2 ) XX/XX/XXXX Acct # XXXX 3 ) XX/XX/XXXXXXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My husband and I filed chapter XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Our Home was included in the bankruptcy. The home was mortgaged through XXXX XXXX. I have previously filed complaints against XXXX XXXX for their continued correspondence regarding payment of mortgage, insurance coverage and real estate taxes. I currently have an active complaint against XXXX XXXX - XXXX-XXXX. 
On XX/XX/XXXX, we received a packet of information from Specialized Loan Servicing LLC regarding our unpaid mortgage. Speaking with these individuals is like speaking to wall. 
I am frustrated beyond belief. These financial institutions are the most corrupt people I have ever encountered. 
I wish to pursue any and all avenues of recourse available to me. 
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 2018-12-19 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: PA

Complaint narrative:
Looking at the original loan amounts totaling {$37000.00} at 8.25 %, when using the loan calculator for a 25 year repayment plan, the amount should be {$300.00} a month. I have been paying {$360.00} a month which would be {$68.00} more than what I should have been paying. for the past 17 years, I would have overpaid {$820.00} every year for a total of {$14000.00} overpaid in 17 years. I have paid {$75000.00} towards my loans and am being told that I still owe {$23000.00}. How is it possible that I still owe that much money? I feel like I am being overcharged in this situation because my amount still due NEVER seems to go down. I realize that I may be off a little in all of my payments an things, but with everything that is going on with Navient being sued right now, I feel that I fall into the group that is being taken advantage of by them. I am looking for some sort of help in determining what options I have so that I am not paying these loans for the rest of my life .... I am a XXXX and tried for the XXXX  loan forgiveness, but they claim that I make to much money to take part in that. And my current loan information says that my loans won't be paid off until XX/XX/2026 .... I just don't understand how this is possible and am looking for help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: NJ

Complaint narrative:
I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XXXX  XXXX Acct # XXXX 2 ) XXXX Acct # XXXX 3 ) XXXX XXXX Acct # 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 2018-12-19 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: NJ

Complaint narrative:
I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XXXX XXXX Acct # XXXX 2 ) XXXX Acct # XXXX 3 ) XXXX  XXXX Acct # 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 2018-12-19 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
My loan balances on my credit report fluctuate each month. One month they slightly increase by 20-30 $ then one month they will increase by THOUSANDS. Then the following month they will decrease by a few hundred. And then a few thousand. When I contact Navient they can not explain why it does that. And say they will check into it. I have monitoring directly from ea h bureau and they notify me when changes occur. My score also goes down because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I called Bank of America ( BOA ) to have my PMI dropped on XX/XX/XXXX. They told me my PMI would automatically drop when I was below 80 % LTV. My account is auto drafted. I have never missed a payment. I have financed 4 homes via BOA. ( NEVER AGAIN ) I opened a paper statement in XX/XX/XXXX, flipped the bill over, and notice I am STILL being charged PMI. I call XX/XX/XXXX to ask why. BOA tells me I have to pay {$520.00} for a re-appraisal. I tell BOA, per the Home Owner Protection act, my PMI should have been removed in ~XX/XX/XXXX. BOA tells me the ONLY way to get my PMI dropped is to have the appraisal. I send in {$520.00} for the appraisal. BOA mails me a {$520.00} back and says I do not need an appraisal. They drop my PMI. I would like to recoup the ~ {$1700.00} that BOA charged me in PMI payments that I did not owe from XX/XX/XXXX until XX/XX/XXXX at {$92.00} per month. The Homeowner Protection Act is in place because customers have NOTORIOUSLY had difficultly getting their PMI dropped. After trying to work with BOA on Request ID XXXX and Case XXXX, I am reaching out to the CFPB for assistance in recovering payments that I did not owe BOA.

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 2018-12-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My husband and I filed chapter XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Our Home was included in the bankruptcy. The home was mortgaged through Wells Fargo. I have previously filed complaints against Wells Fargo for their continued correspondence regarding payment of mortgage, insurance coverage and real estate taxes. I currently have an active complaint against Wells Fargo - XXXX-XXXX. 
On XX/XX/XXXX, we received a packet of information from XXXX XXXX XXXX XXXX regarding our unpaid mortgage. Speaking with these individuals is like speaking to wall. 
I am frustrated beyond belief. These financial institutions are the most corrupt people I have ever encountered. 
I wish to pursue any and all avenues of recourse available to me. 
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 2018-12-19 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: SC

Complaint narrative:
I have a couple hard inquires on my credit report that I have not inquired about and I am not sure who did. The first is labled " XXXX & XXXX XXXX '' dating back to XX/XX/XXXX. The second is labled " XXXX '' dated XX/XX/XXXX. The last is labled " trans union '' dated XX/XX/XXXX. I have no knowledge of any of these inquires and would like these removed from all of my credit reports.

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 2018-12-19 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: PA

Complaint narrative:
I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX   and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my Equifax credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my XXXX  decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with XXXX, Equifax, and XXXX. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both XXXX and Equifax have refused to remove this negative item from XX/XX/XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX, I called Citi to change my card from a {$450.00} per year XXXX  's XXXX card to their free card in a process called card conversion ( we aren't traveling next year as much as we did the last year ). Today, on XX/XX/XXXX, they charged me the {$450.00} fee. When I called back, I was told that " Oh yes, it takes up to two months to do the card conversion, we'll credit that fee back in another statement or two. '' Meanwhile, I either pay the {$450.00}, and am just out the money until later ( and I'm forced to use their credit card to get it back because it's a credit ), or they get to charge interest on the unpaid {$450.00} until they credit it back. 

This is, at best, predatory, and at worst, fraud.

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 monetary relief
Consumer complaint received 2018-12-19 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: FL

Complaint narrative:
My loan balances on my credit report fluctuate each month. One month they slightly increase by 20-30 $ then one month they will increase by THOUSANDS. Then the following month they will decrease by a few hundred. And then a few thousand. When I contact XXXX they can not explain why it does that. And say they will check into it. I have monitoring directly from ea h bureau and they notify me when changes occur. My score also goes down because of this.

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 2018-12-19 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:
My loan balances on my credit report fluctuate each month. One month they slightly increase by 20-30 $ then one month they will increase by THOUSANDS. Then the following month they will decrease by a few hundred. And then a few thousand. When I contact XXXX they can not explain why it does that. And say they will check into it. I have monitoring directly from ea h bureau and they notify me when changes occur. My score also goes down because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: FL

Complaint narrative:
My loan balances on my credit report fluctuate each month. One month they slightly increase by 20-30 $ then one month they will increase by THOUSANDS. Then the following month they will decrease by a few hundred. And then a few thousand. When I contact XXXX they can not explain why it does that. And say they will check into it. I have monitoring directly from ea h bureau and they notify me when changes occur. My score also goes down because of this.

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 2018-12-19 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: SC

Complaint narrative:
I have a couple hard inquires on my credit report that I have not inquired about and I am not sure who did. The first is labled " XXXX  & XXXX XXXX '' dating back to XX/XX/XXXX. The second is labled " XXXX '' dated XX/XX/XXXX. The last is labled " XXXX XXXX '' dated XX/XX/XXXX. I have no knowledge of any of these inquires and would like these removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MS

Complaint narrative:
I found this item on my credit report and I did not recognize this company and have never done business with this company. I disputed this account with them directly and I have not heard from or received any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent a letter to the credit bureaus, asking them to investigate errors that were on our credit report. I am attaching a copy of the letter that we sent. Its been more than 30 days, and we have not received responses yet.

Company response to consumer: Closed with non-monetary relief