vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 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: VA

Complaint narrative:
Upon final credit check to get the clear to close for our home loan, TransUnion has reported another person 's info including name and employer onto my,  XXXX   XXXX , TransUnion credit report. There are  XXXX  collection accounts and  XXXX  open account that is 2 months past due, these accounts belong to a man named  XXXX   XXXX   XXXX  who works for  XXXX   XXXX  ( as reported on my credit report ). Upon contacting TransUnion to inquire about this I was told I had to file a police report for identity theft to get these removed. I spoke with local law enforcement and based on the situation state that a police report is not necessary because this is not identity theft but rather and error on TransUnion 's part for entering the other gentleman 's information incorrectly ( Social Security Number ) ... ..I called all the account holders and collection companies listed that were not mine to discover they did not have anything with my name on it and in fact that  XXXX   XXXX   XXXX   XXXX  little hasty and asked how I got someone else 's account number when my name is n't on the account ... .even as a joint as listed on TransUnion Report ...  XXXX  then proceeds to tell me that they have to have a police report in order to remove the wrong account. I am wanting all the negatives and collections and anything else pertaining to  XXXX   XXXX   XXXX  with last  XXXX  SSN :  XXXX  to be removed immediately ( no later than next week ) because it was TransUnion 's mistake. The last  XXXX  of my  XXXX  :  XXXX  ... .all the other numbers of the  XXXX  for both are identical except the last digit ....

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 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Hello, I have a student loan with  Navient  for approximately  XXXX . I have a family member who co-signed on the loan for me and I have been trying to get him removed. When they pulled my credit report there is an old judgment from  XXXX   XXXX  from    2011. I had  my wages garnished until the loan was paid in-full and closed. This is the ONLY thing negative on my report. I desperately have been trying to get this removed and have had no success. It 's been 7 years! Do n't they have to remove it at   7  y rs? I will do whatever it takes to get this removed. It has cost me my relationship with my brother and his family.   Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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:
XX/XX/XXXX  - One month after getting a consolidation loan for $72,xxx, hit with a capitalized interest fee. That's how it started.

-Challenges with payments, they did not keep me on income-based repayment plans, instead, pushed towards capitalized interest and using forbearance. 

-Declared bankruptcy by   XXXX   XXXX   after a full year of unemployment and still not notified of better options for income issues. Consistently referred me to forbearance.   XXXX   XXXX   customer relations staff often did not have American English as a first language, making it even more difficult to understand options.

-Asked multiple times on Public Service Loan Forgiveness, and was told they knew nothing about it. Found out on my own finally in   XXXX   and lost a full 7 years of potential service and turned down positions which could have helped.

-Dates of forbearance pile ons via capitalized interest:
  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  

-From   XXXX   -  XXXX , 20 months of consistent standard payments, of which  XXXX  went towards capital.

-Total Capitalized Interest with fees since  XXXX : $17,xxx

-Current principal owed 12 years later from loan origination date: $80,xxx, or + $9,xxxx more then when I started in  XX/XX/XXXX 

-Original College Payoff Date:  XXXX , age approximately   5 XXXX  making regular payments for 30 years Current College Payoff Date:   XXXX  , age approximately     XXXX  , making regular payments for 30 years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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 written/se nt 3  certified letters to   XXXX   and Experian o n 3 separate occasions to dispute an inaccurate Public Record/US BKPT CT GA that is being reported on my  credit report. In my letters, I requested   XXXX   and Experian provide me with any and all information that proves/verifies this information belongs to me if the inaccurate  Public Record was not removed. The only information I received after multiple requests for removal of the inaccurate Public Record is an updated credit report stating that the item in question was verified or verified as accurate. I have   never received any supporting documentation on how they verified and came to this conclusion. I feel that MY RIGHTS have been violated as a consumer and I am requesting your assistance with this matter to have this inaccurate Public Record/US BKPT CT GA removed from my 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 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I received a notification from  Alliance One Receivables Management Inc   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  stating that I owed a debt in the amount of {$1000.00}. I checked my credit report and saw that this company checked my credit for a  Installment   Loan  on  XXXX   XXXX ,   XXXX  . I never applied for a loan and was n't sure why this inquiry happened. So I called the number located in the in the inquiry to ask about the false information and the representative explained to me that her collection company did not check my credit report for credit worthiness. I explained to the representative that her collection company 's address and phone number was the same on my credit report. The representative continued to deny that their company made the inquiry and that   XXXX   XXXX   XXXX   made the inquiry. The representative continued to deny they did this and I explained to her that " collection agencies dont make inquiries that collect debts. Only if I apply for credit will a potential creditor will check my credit. '' I explained to her that this inquiry will affect my credit for the ne xt two  years and why did they do this. The representative continued to deny their company took this action so I hung up and filed this report. Im looking to have this erroneous and false information about me applying for an  Installment Loan  removed from all  XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Check Security Associates, LLC
State: HI

Complaint narrative:
Warner Asset Location Services called my mother, my friend, and my sister with regards to a debt I owe them on  XXXX   XXXX ,   XXXX  .     I just received another call from my sister advising they called her again as well as called her husband and   XXXX   daughter on  XXXX   XXXX ,   XXXX  .     The second call being after I spoke with them and set up a payment arrangement. I have also not received a written notice to what the debt was nor was I sent anything regarding the payment arrangement.     I looked up the law and it states they are not allowed to disclose to another person the reason for the call and on both instances they advised my sister, they were attempting to collect a debt. They also left a message on her phone looking for myself as well as my mothers phone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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:
After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an  officer  of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.

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 2017-05-04 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: FL

Complaint narrative:
After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an  officer  of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
I had a few collections on my credit report and after I looked into them, to find out what they were about, (  XXXX   XXXX  ) I found out the address they had was an address I was at for a very short period of time. I never knew I owed money and after calling the original creditor (   XXXX   XXXX   ) I found out they indeed did not have my correct address and she also mentioned they had the wrong number for me at the time. I was told they would remove the collection from my credit report if I paid the collection agency ( Around  XXXX   XXXX  ). I called the collection agency  ( Transworld Systems ) and told then  what I was told by  XXXX    XXXX   billing dept and they sad " sure if they (   XXXX   ) agreed to remove it we can ''. On  XXXX   XXXX  I paid Transworld for both of the collections  ( One  for {$70.00} and the other for {$230.00 } ).  I, after this filed a dispute with the credit bureaus because the collections show as paid but not removed. I received the dispute results from   XXXX   the collection company is still not removing it. They show it was paid but did not remove it even though I was told it would be removed since the address was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: CA

Complaint narrative:
CFPB, do YOUR job and assist me with this, as this has been going on since  XXXX . I await your responses!! This is th e 4th  complaint, a blanket complaint of all  XXXX  bureaus! Some information that I requested to be removed or corrected has been done. However, the responses regarding the INQUIRIES that I asked to be removed - what a JOKE! I did NOT AUTHORIZE OR ALLOW the creditors listed within those inquiries, to pull my credit! PERIOD - therefore, those are FRAUDULENT AND UNAUTHORIZED!! So, why am I being told that I NEED TO CONTACT EACH CREDITOR to have them remove the inquiry? WHO IS IN CHARGE OF MY FINANCIAL CREDIT REPORT? You, the credit bureau  (  crook ), are collecting my financial data, so therefore, it is YOUR JOB to remove, add or correct MY INFORMATION. Period, end of discussion! Now, this is my last request, REMOVE ALL INQUIRIES ON MY CREDIT REPORT BETWEEN THE TIMEFRAME OF  XXXX  TO  XXXX / XXXX /  XXXX  . I am going to seek an attorney, if all inquiries are not deleted, and a new report with scores, is not sent within  15 busine ss days from today.... I NEVER AUTHORIZED OR ALLOWED ANY OF THOSE CREDITORS TO RUN MY CREDIT, AND I WILL NOT DO YOUR JOB FOR YOU. YOU WORK FOR ME, THE CONSUMER, AND THEREFORE YOU ARE LIABLE FOR THE ACCURATE INFORMATION ON MY REPORT. GET IT DONE, GET IT RIGHT. I AM TIRED OF SENDING THESE COMPLAINTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On  XXXX   XXXX   XXXX  i  sent a debt validation letter to santander consumer and they have not responded to my letter that they signed and received on  XXXX   XXXX    XXXX   i ask that the remove this debt from reporting on all  XXXX  crefit bureaus or send me validation which are my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo keeps on verbally promising and not delivering. Wells Fargo has verbally told me that the short sale was approved, yet I have not received the short sale approval in writing. Wells Fargo  has not provided me with a contact person as required by law. Contact person phone number has been provided but person is unreachable and not returning calls. Please have Wells Fargo Comply  with Law and do what is promised.
Thank You Very Much!
On Behalf   of  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 non-monetary relief
Consumer complaint received 2017-05-04 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 written/se nt 3 certified letters to Transunion and   XXXX   on 3 s eparate occasions to dispute an inaccurate Public Record/US BKPT CT GA that is being reported on my credit report. In my letters, I requested TransUnion and  XXXX  provide me with any and all information that proves/verifies this information belongs to me if the inaccurate  Public Record was not removed. The only information I received after multiple requests for removal of the inaccurate Public Record is an updated credit report stating that the item in question was verified or verified as accurate. I have never received any supporting documentation on how they verified and came to this conclusion.  I feel that MY RIGHTS have been violated as a consumer and I am requesting your assistance with this matter to have this inaccurate Public Record/US BKPT CT GA removed from my 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 2017-05-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
went to b of  America  in  XXXX  to transfer my ira that was due to mature on  XXXX / XXXX /  XXXX   and the bank stated that I had to pay  XXXX  transfer fee

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 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had a account with us bank in   XXXX   that went to collections and I paid it off through   XXXX    XXXX   debt collectors and they never showed that the debt was paid off and so now I am an able to prove to  US B ank that I had paid the previous debt

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 2017-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I received a call today  XXXX  from my old boss stating that a woman by the name of  XXXX  was trying to reach me through an agency called  TCS ( t hunderbird collection agency. I have been asked me to inform them that I am no longer employed there and to stop contacting the company, as it is a place of business. I spoke with  XXXX  already and told her I will be contacting her on a certain date regarding this collection and she still proceeded to call my old place of work and also numerous fax 's with my first name and different last names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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 sent  XXXX  certified letters to each reporting credit bureau agency Equifax,  XXXX , and  XXXX  on  XXXX  separate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record  information removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record  is making it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have this  Public Record  removed from all  XXXX  of the credit bureau reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northstar Location Services, LLC
State: WI

Complaint narrative:
I have a  XXXX  credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of   XXXX   XXXX     or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online this week ( week pf    XXXX   XXXX    ) to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of  XXXX  and told to contact them at  XXXX , but also told they were closed at  XXXX  cst ( it was  XXXX  cst when I first called  XXXX  ). Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called Northstar Companies - a firm neither my father or I had ever heard of before. I mentioned this name and number to the  XXXX  rep and they were n't aware of the cos or if the management of my account has been transferred from  XXXX  to Northstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One  is inaccurately reporting a charge off record on my report. They continue to say that I owe them {$2700.00} but I have never had an account with them in the past.     Their records should show how many times I have called to address this issue. I am filing this complaint with the CFPB because this is not my debt and it needs to be deleted from my report as soon as possible.     My father and grandfather both share my same name so it 's possible it  may be one of their accounts.  I am   XXXX   XXXX   XXXX   XXXX  . I no longer have any contact with them so it 's very hard for me to verify if they ever opened an account with this bank. My report shows this account it was opened in   XXXX   so that means I would have been in high school when I applied for this credit card. This does not make any sense.     The account number according to my report is : "   XXXX   ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient ga ve my parents the informaiton on my loan balance and payments made, including whether or not they were applied to principal. I called  Navient an d asked that they remove all phone numbers associated with my parents, before knowing they had disclosed this information, and stated that if I found out they had discussed my student loan information with anyone other than me, I believed they would be in violation of the Fair Debt Collection Practices Act. I have not called back since finding out they did, in fact, disclose information. I did not have any cosigners on my student loan, so they were not authorized to share any information with my parents.

Company response to consumer: Closed with explanation