vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XXXX XXXX, This debt collector contacted my employer through our XXXX   phone number that is used for XXXX  emergencies and XXXX  XXXX. representative was told by staff members to please not contact this number for any personal calls but the representative insisted to speak to this person even after being told this designated number is for XXXX XXXX only. An office manager had to speak to the debt collector and repeated verbally once again to not use this phone number for anything personal, rep interrupted multiple times to insist it is personal but needed a message to be left. Office manager respectively told the debt collector once more she can take a message but to please not call this line. Rep insisted to speak to person in debt and was not listening to us. We are a business and only have 1 line for all our small business needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 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: OH

Complaint narrative:
XXXX XXXX # XXXX is reporting different information the 3 credit agenices and it's inaccurrate. On TransUnion is " stating no payments have been reported '' as a Charge-off with a balance of XXXX. On XXXX # XXXX is reporting " PAID on time for the last 3 years as a Charge-off, but as of XX/XX/XXXX of the this year all payment made on time ... with a balance of XXXX '' How is that possible. XXXX  # XXXX is report " 4 Charge-offs and incomplete payment is history XXXX '' This is a violation of the Fair Credit Act 611, please delete this account.

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 2020-10-12 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: OH

Complaint narrative:
XXXX XXXX # XXXX is reporting different information the 3 credit agenices and it's inaccurrate. On XXXX  is " stating no payments have been reported '' as a Charge-off with a balance of XXXX. On Equifx # XXXX is reporting " PAID on time for the last 3 years as a Charge-off, but as of XX/XX/XXXX of the this year all payment made on time ... with a balance of XXXX '' How is that possible. XXXX  # XXXX is report " 4 Charge-offs and incomplete payment is history XXXX '' This is a violation of the Fair Credit Act 611, please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20, XX/XX/20 AND XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: CL Holdings LLC
State: IL

Complaint narrative:
There is a XXXX XXXX credit collection on my report. It is being reported by Jefferson collection services. This was just placed on my credit report XX/XX/2020. I have not had an account with XXXX XXXX. My cell phone billing has been through XXXX XXXX for several years now. I have not received one letter or one phone call pertaining to this account. This is fraudulent and not accurate. I check my credit  reporting through the credit agencies almost daily. Its the only negative mark on my credit report and please do what you can to have it removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a bankruptcy showing up on my credit that needs to be removed.

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 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have submitted a dispute for a hair salon service that was not properly performed and subsequently ruined my hair. I contacted the merchant and they offered a do-over but the 2nd time only made my hair worse after I have questioned if the service can be done twice within a week without make further damage. Now my hair is so damaged and fragile and I have nothing to do but to wait for my hair to grow out and cut them. I paid {$270.00} so that I can have a easy time every morning without spending much time on my hair and instead now I have to because how frizzy and damaged they look. 

Citi has closed my dispute in favor of the merchant. I have explained my situation to Citi and I have photo evidence to show that the merchant did not resolve my issue. The charge was made on XX/XX/2020 for {$270.00}.

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 2020-10-12 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: OH

Complaint narrative:
This is not my account, please delete : XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: WI

Complaint narrative:
I first initiated a dispute with Experian and XXXX  regarding XXXX  XXXX XXXX in XX/XX/XXXX. The total amount on this account is {$36000.00}. I disputed the XXXX  XXXX XXXX account with XXXX  and they have deleted the account after the first dispute letter. I have sent in a total of four dispute letters to XXXX  and Experian asking to verify the account. Experian and XXXX  claimed they have verified and validated the XXXX  XXXX XXXX account all four times. I sent in a fifth letter to Experian and XXXX  via certified mail in XX/XX/XXXX showing proof that I was not late on my XXXX XXXX XXXX account in XXXX and XXXX of XXXX. I also sent a letter to XXXX  XXXX XXXX in XXXX of XXXX with proof that I was not late on my account. In the evidence that I provided, I questioned how both credit reports show I was on time in XX/XX/XXXX but I was somehow 90 days late in XX/XX/XXXX and then 120 days late in XXXX of XXXX. If I'm mistaken, there is only a 30 day difference from XX/XX/XXXX to XX/XX/XXXX and only 60 day difference from XX/XX/XXXX to XX/XX/XXXX. I also submitted evidence to XXXX, Experian, and XXXX   XXXX XXXX that I was zero days late on all accounts. It is XX/XX/XXXX and I have yet to receive a response to the evidence that I submitted.

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 2020-10-12 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: OH

Complaint narrative:
This is not my account, please delete : 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 2020-10-12 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: MO

Complaint narrative:
XX/XX/2016. My project loan from XXXX XXXX XXXX XXXX was compromised and added to a companies pro desk account. Chargers were made on the account, without having possession of the card. I contacted XXXX, filed and identity report with the FTC. Filed a police report as well. I continued to pay the account in the beginning of resolving this matter, due to the fact I did not want my credit affected. They never removed this account from my credit, although I had proof of identity theft.

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 2020-10-12 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: MO

Complaint narrative:
XX/XX/2016. My project loan from XXXX XXXX XXXX XXXX was compromised and added to a companies pro desk account. Chargers were made on the account, without having possession of the card. I contacted XXXX, filed and identity report with the FTC. Filed a police report as well. I continued to pay the account in the beginning of resolving this matter, due to the fact I did not want my credit affected. They never removed this account from my credit, although I had proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20, XX/XX/20 AND XX/XX/20

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 2020-10-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20, XX/XX/20 AND XX/XX/20

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 2020-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I had a loan with SallieMae that was bought by Navient around 2012. The loan was a subsidized student loan and was in deferment. No interest should have accrued until this fall after I completed my degree. When I was contacted by Navient about repayment they had a balance of over {$16000.00} when it should have been well under {$16000.00}. I called Navient and talked to employee XXXX and told her what the balance should be and she said when they bought the loan in 2012, the balance was over {$17000.00}. I told her I had paperwork from SallieMae dated XX/XX/12 that clearly showed a balance of around {$15000.00} right before my account was transferred to Navient. She said she had paperwork for Navient that showed the balance as $ XXXX in XXXX of 2012. She said I should fax her copies of the documents from SallieMae which I did on XX/XX/XXXX. I also had my university send proof that the loan was in deferment from 2012 until now which they did.

I called Navient today and asked them if they had made the necessary change to the amount I owed. The woman I spoke to barely spoken English so she was incredibly hard to understand. She  said something about accrued interest and a reverse loan something or other. When I asked her what my balance was in 2012 she said $ XXXX. I asked why the balance had not been corrected and she started talking unintelligibly about something with reverse balance ... I could not understand what she was saying. She also told me that my faxed documents had been received and a letter had been mailed today which was their response to my complaint. I don't have the letter and quite frankly I am not sure I believe that they actually sent a letter at all. If they did it should show up in a few days. 

The following uploads will show you that there is a major discrepancy between Navient records and the records that I was sent by Sallie Mae. The Sallie Mae documents I received showing my payment record for the loan on XX/XX/12 has a full repayment balance of {$15000.00}. The Navient records show for the same date show the balance to be almost {$1000.00} dollars higher at {$16000.00}. 

I had massive issues with SallieMae constantly and illegally trying to take me out of deferment or accruing interest while I was in deferment. I had hoped Navient would be better but it appears they are just as crooked. I am sending this complaint to start the process of investigating Navient for student loan fraud. This note is the first step in what I hope can be a quicky resolved issue although I am not as hopeful as I would like to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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:
I HAVE SEVERAL INACCURATE ITEMS ON MY CREDIT REPORT. THEY ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS.I FEEL AS IF I HAVE BEEN FURTHER VICTIMIZED BY THE BUREAUS AS WELL. I AM TRYING TO BUILD MY CREDIT AND BUY A HOUSE AND THESE FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNYTS ARE HURTING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have spoke to Synchrony Bank about our financial hardship with COVID-19, The State Of Michigan Shut down for 6 months. I had subscribed to the promotional offer of six months on my purchase however, the PANDEMIC has caused a financial hardship and our inability to earn income on a weekly basis put us behind. This corporation and the Supervisor XXXX at ext XXXX would not assist us on my request for further assistance. I want to ensure to pay as we move forward however, for them to tell me they will debit my bank account free will is MOBSTER and I as an AMERICAN will stop at nothing against XXXX XXXX financial institutions as well as Michigan State Attorneys office regarding their practices during a WORLDWIDE PANDEMIC. Second to this, I want to know if SYNCHRONY BANK received any part of the CARES ACT MONEY to help them stave of losses in XXXX. 

THIS IS NOT BUSINESS AS USUAL ANYONE WHO TELLS YOU THAT ITS IS, IS LYING.

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 2020-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have received numerous and repeated calls from National Credit Adjusters attempting to collect a debt. I have repeatedly asked for proof and verification of this debt and have been refused, I was told " we can't do that ''. I informed the callers multiple times that this is illegal and I would be filing a complaint. I have been the victim of identity theft, case number XXXX, I informed the callers of this also, this item is on my credit report and I want it removed for failure to provide the information I requested on numerous occassions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: OH

Complaint narrative:
This is account is reporting inaccurate information XXXX XXXX/XXXX # XXXX on Experian, XXXX, XXXX. 

On XXXX  reporting Exceptional History not late payments ; however reported as a Charge-off ... On XXXX  reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on Experian with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this information is inaccurate.

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 2020-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I have received numerous calls from this company, I asked for proof of debt as I have no knowledge of this company, I was told they would send information of the debt via email, that never happened, when contacted again, I asked for this information and was referred to their website. i have no knowledge of this debt or this company, I informed them that I had been a victim of identity theft, case number XXXX. To date, I have not been provided with the documentation.

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 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: NC

Complaint narrative:
Hello, On XX/XX/XXXX, my loan originator, XXXX XXXX, closed a purchase loan and I believe I was discriminated against due to my gender. I initially wanted a conventional loan and was pre-qualified under conventional guidelines. When my loan was submitted for final approval, it got kicked back due to my Debt to income ( DTI ) ratios. I was in the processes of getting my NMLS licensed and asked what guideline they were using and why the debt to income had changed so drastically as I was in no way close to maxing out based on the pre-qualification I received. At the time of origination, I was working in sales, and had base + commission income. I had a XXXX  in XXXX of XXXX and took 3 months of FMLA ( returning to work at the end of XXXX of XXXX ) after XXXX  my child. Because I took XXXX XXXX and did not receive the commission portion of my income, my total averaged income had an annual difference of {$10000.00} or $ XXXX/monthly which is a HUGE difference in my monthly income. I gave an explanation to the loan originator, but she said we would have to go FHA and " it would take too long '' to switch back to a conventional loan at this point and I would miss my closing date. I came back to work in XXXX and could prove I was receiving the commission and had the ability to repay. I feel a letter of explanation could have been submitted as my ability to repay was in good standing due to the return of my commission on the pay stubs used to qualify. Due to this blunder, I lost about {$10000.00} in equity due to UFMIP and I have attached an email with the breakdown of the two loans which shows a difference of the {$10000.00} from the loan originator.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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