vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, my transunion credit reporting was sent to my brother record and my record was not accessible anymore to me. I contacted Transunion dispute center and I was routed to XXXX call center and I handed my sensitive information such as my ssn, birth day and address. Once the agent from XXXX call center can't help with my acct, she transferred me over to XXXX call center. The XXXX call center requested all my sensitive information and told me that she will put my account to Maintenance mode, and wait for 5 days to get the status. 

On Sunday, XX/XX/XXXX, I have an alert from my credit monitoring stating that I have a new address and Public records for Bankruptcy and I have never filed any of that. So I click the dispute and I still can't access my own account with my SSN on transunion. So contacted them on Monday XX/XX/XXXX, same process, routed to XXXX and XXXX. I just found out that nobody did my account in maintenance mode. So I just given my sensitive info in some person in XXXX and XXXX. They told me there was no claim or filed on XX/XX/XXXX. 

As of today, XX/XX/XXXX, my account is still not available and its hurting my record and my job due to credit history is a requirement for my job. 

My major concern is my information was vulnerable already. Also, why transunion screwed my records and sent it to a different social number and terminated my account? this is why data is being hacked due to their lack of data information security. This is a concern. 

Thanks 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 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Works & Lentz, Inc
State: OK

Complaint narrative:
I have already told this company not to contact me at work. Today on XX/XX/2018 they called my cell phone XXXX and when I did not answer they called my work number XXXX. I stepped outside to call this company and tell them that they are not to be calling my work and the man refused to acknowledge that he was taking it down as a formal request until I verified all this debt information. I want these people to stop calling me at work. I have already requested this and he told me it's not how this works. I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My ex- husband of 8 years received a call from XXXX last night XX/XX/2018 from a XXXX in regards to a urgent business matter. The voice message that was left on HIS phone he sent our daughter ( as we do not speak ) stated they left me 31 messages and time is running out to help me. That he needs to call ext XXXX on my behalf to make a decision for me by XXXX last night or they were going to take the case to next level. I have received numerous phone calls and some messages, but the numbers always change and messages are rarely left. I am unsure who they are or what they are calling for, but I do not appreciate them calling and leaving messages to my ex husband if it is truly about my financial matters!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 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: FL

Complaint narrative:
My name is XXXX XXXX and I am having an problem trying get information from two of the credit reporting agencies and am hoping your company can lend assistance. XXXX and Experian are reporting a bankruptcy on my credit file though they will not provide me information that allows me to confirm. The XXXX Court systems stated they would not supply me or any third party information and when I accessed public records the only items I can locate are about a speeding violation. I am asking once again what information they have and how they obtained the so called information. If they are reporting something they should be able to validate the information. If I am unable to obtain it then how are they? 

I have attached the document showing what can be found and one of those XXXX XXXX is not 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 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
During our country recession XX/XX/XXXX-XX/XX/XXXX I loss a substantial amount of income due to ex spouse losing employment with XXXX XXXX. I was struggling to pay mortgage to Wells Fargo. I never fill behind two full months. I was never more than 45 days behind in my mortgage payments. I would send my payments in the form of money order or cashier check so that it was like cash they would receive. Long story short Wells Fargo held my payments and pushed foreclosure proceedings fast ahead. Afraid of losing my home I filed bankruptcy. At this point Wells Fargo sent back all my payments that totaled around 1500-1800 dollars. In the meantime this caused me to lose XXXX in equity not to mention attorney fees when I never came close to missing three or more mortgage payments. I often think was this fair and lawful? I wonder how many thousands of other mortgages were falsely foreclosed on due to Wells Fargo using this unfair practice of holding up payments or not applying payments towards the mortgage. I also recall how slow Wells Fargo was in assisting me with Harp to the point where my payments appeared to fall further behind and they never did help. I contacted another organization locally by the name of XXXX XXXX XXXX XXXX by way of my attorney and thats who helped 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 2018-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received notice that Navient had purchased my student loan from XXXX. I created a profile on the Navient website and set up my account with them as directed. I made my first payment of {$1.00} as a test payment ( bank verified ) and then set up Auto-pay for my first regular installment to be debited on XX/XX/XXXX. 

The first installment payment was not taken, but their website showed it was. On XX/XX/XXXX I  contacted my bank ( XXXX XXXX XXXX XXXX ) to verify and have documentation as a 3rd party regarding this issue with Navient. XXXX verified the {$1.00} test payment I made, but said Navient has not tried to debit my regular installment payment. When I contacted Navient by phone they said they couldn't view this information and that maybe I have provided the wrong banking information. They said if the bank information is wrong then it could take up to 10 days for a payment to be completed. They had no other explanation when I informed them that I had already spoken with my bank and and gave them the details. The phone rep told me to wait for the payment to be taken. 

On XX/XX/XXXX, I sent a written complaint for follow up through the Navient portal because the problem is still not fixed and no one has gotten back with me as I requested. Navient 's website shows the first installment payment received on XX/XX/XXXX, but now shows a late payment on XX/XX/XXXX.

On XX/XX/XXXX, XXXX XXXX from Navient replied that they are " still working '' on my account and need to " research '' my account. I followed up with via email with XXXX on XX/XX/XXXX and again yesterday evening XX/XX/XXXX and my account is still not fixed and I have nor received an update as requested. 

I have also request documents to show proof that they actually do own this loan, which has not been addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
For a while, I frequently received visa prepaid cards from XXXX XXXX XXXX ( XXXX, N.C. ) to refund overpayments due to overbilling. These cards were hard to activate and I was never successful for at least one. I contacted the medical office and they referred me to the issuing bank ( XXXX or b of a, I thank ). The bank was unable to help me in some cases. 

I assume these prepaid cards are used for the convenience of the healthcare system and that they likely expire at some point, generating revenue for the practice as well as the bank. These parties also benefit by forcing me to create some account to activate and check the balance in the cards. It is grossly unfair to put me through so much when I paid by check as billed. I should not have to activate these cards or I should be paid by check. 

The cards were issued to either XXXX XXXX or XXXX XXXX. Our middle initials are XXXX and XXXX, respectively. Its likely be 18 months or more since we had the flood of these cards.

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 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: SC

Complaint narrative:
I got behind on the loan and they had me served with civil court documents. I called and talked with them and was working out a different payment arrangement. I was making smaller payments to them. I was told the process of being sued would be placed on hold. I kept making the smaller payments then about 2 months into makeing the smaller payments i was notified that they proceeded with the lawsuit with no notice i was found in default because i did not appear. Resulting in a lien being placed on my house and they are refusing to subordinate the lien. This company is a snake in the grass. I am willing to work out a repayment plan as long as they subordinate the lien or remove it. I am checking into my options to counter sue because they are going to cause me to loose my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is currently reporting on my Equifax credit report an account that is not valid. Attempts to dispute the count with Equifax and directly with the company have resulted in negative results and the account remaining on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
My home mortgage was transferred to nation star, now Mr. Cooper in XX/XX/XXXX from XXXX XXXX. When it was transferred I had a check in the amount XXXX that was cashed by XXXX XXXX but not transferred to Mr. Cooper mortgage. I began by calling Mr. Cooper and then XXXX and back and forth I finally wrote a letter because I was not getting an any answers. I have a letter dated XX/XX/XXXX that I wrote to XXXX XXXX ... now Mr. Cooper. I explained the problem and asked that they find my money and apply it to my account. My usual house payment is XXXX, however I often doubled or more my payment so I had more than 2 payments lost in the transition. I asked that they find my money and correct my records. They assured me there was a grace period for my payments in this transition and that no problems with my credit would occur because of this. I received a letter from Mr. Cooper on XX/XX/XXXX explained that they had found my money and that the payment was applied to my account. At that date I was paid until XX/XX/XXXX. I continued to make my payments at the exact amount of the payments. I did not trust it to make over payments with mr Cooper since their record keeping seemed poor. after some more back an forth my records were corrected and I was sent a history of my payments at my request. I was assured that I was in good standing and that nothing was late. in the middle of XX/XX/XXXXthis popped up on my credit report and Mr. Cooper had reported that I had made two payments late by 30 days in XX/XX/XXXX and XX/XX/XXXX. That is untrue. I am trying to buy a house right now and it took my credit rating from above an 800 to the mid to low 700 's. My closing date has been set for XX/XX/XXXXand I have called and written to Mr. Cooper to ask that they correct this, Yesterday I received a letter from them that it would be at least another 30 days before they would get back to me. By that time my house will have closed and my credit will have determined another loan percent for me. I have explained this to Mr. Cooper on more than one occasion. I need to have this cleared up before my closing date and in time for my lender to have an accurate credit report on me. I have records scanned in to send to you. verifying what I have said to you in this letter. I need help and it needs to be quickly to make a difference in my loan. I am very unhappy with the responses from Mr. Cooper. This is not the only problem I have had with their service. I want to file a complaint. Thanks you in advance for any help you can give me with this very frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: VA

Complaint narrative:
I paid a third party collection agency for a debt that still was not verified as accurate to be paid. The University of XXXX sold debt to XXXX XXXX XXXX. I settled the debt with them XX/XX/XXXX in which I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to cover the settled amount XXXX in three payments XXXX. Well I received another collection letter in the mail from a new debt collector for the same balance offering to settle for XXXX. I explained to the other creditor that I have already paid the debt to a different company they stated they received the file this year XX/XX/XXXX from the University of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
This debt collector keeps calling for someone else that isn't me. I have told them this at least 10 times, I have even called back and recorded telling them they have the wrong number. I have also told them that I have had this same number since XX/XX/1998 so they have very bad information and they need to stop calling me. They call me one to two times per day, early on the weekend and incessantly despite me telling them I am not the person they are looking for. I need them to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
Healthcare Collections-I , LLC is currently reporting on my XXXX credit report an account that is not valid. Attempts to dispute the count with XXXX and directly with the company have resulted in negative results and the account remaining on my credit report.

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 2018-04-25 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: FL

Complaint narrative:
My name is XXXX XXXX and I am having an problem trying get information from two of the credit reporting agencies and am hoping your company can lend assistance. TransUnion and XXXX are reporting a bankruptcy on my credit file though they will not provide me information that allows me to confirm. The XXXX Court systems stated they would not supply me or any third party information and when I accessed public records the only items I can locate are about a speeding violation. I am asking once again what information they have and how they obtained the so called information. If they are reporting something they should be able to validate the information. If I am unable to obtain it then how are they? 

I have attached the document showing what can be found and one of those XXXX XXXX is not 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 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
I can not afford my monthly payments. Previously enrolled this creditor with a debt management credit counseling plan and I eventually had to remove XXXX because they truly do not help. 

After removing them from my credit counseling plan, I contacted XXXX myself to see what options they have to assist those who can not make their payments. 

Their only options are to refinance or to push the monthly payment back. Neither of these options are true options when the loan ( 1 ) has a 149 % interest rate that ensures that payments will be high and customers will likely have to miss a payment, thus hindering their ability to qualify for refinance due to the negative notations they will get on their credit report and ( 2 ) they do no address or change the amount paid every month to be more affordable. 

This company offers NO hardship plan accord to them. Other companys who provide installment loans do. XXXX has decided receiving no payments at all and defualt would be better to offer some sort of hardship assistance for people that truly want to pay their debt. 

I was previously advised by a XXXX XXXX agent to cancel my debt management plan and to work with them directly. 

I am only current now after struggling and borrowing money to get myself current and I was under the impression that once current I can gain assistance. I would not have struggled and borrowed only to find out that I was once again lied to and misled by XXXX agents. 

I need true hardship help. 

A 149 % interest rate is extremely unreasonable and this company absolutely engages in predatory lending, offering loans to people who can not get a loan elsewhere with extremely high rates in addition to making sure they do not offer any assistance should customers can not pay their monthly payments which MOSTLY if not ALL only go to interest and not the principle balance of the loan. This is unfair. This is unreasonable. With so high payments, they should actually be reducing the loan but instead every day the amount due gets higher and higher.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: NC

Complaint narrative:
I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to transunion and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax INC is currently reporting an account on behalf of XXXX XXXX XXXX. The account is listed from XXXX XXXX and did not arise from a signed contract with myself and XXXX XXXX. The information listed on my Equifax credit file is inaccurate and incomplete. Attempts to resolve this matter with both companies have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I sent a validation letter to Credit Management LP asking to validate the debt they are reporting I owe. In the letter I included my name, address, and the account # provided on all 3 credit reports. The company responded on XX/XX/XXXX stating they were unable to properly identify my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation