vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been attempting to login to my credit freeze account through Transunion. It used to be located at the site https : //www.transunion.com/credit-freeze. When attempting to login I receive and error. I have a record of the user name and password I used when starting the account 2 years ago. Now it appears as though the login site is https : //service.transunion.com/dss/login.page ; however, when I try to login it also returnas an error. 

Besides not having access to my freeze account, I can not get support. All support is automated and simply sends you to a password reset site. The password does not actually get reset and there is no other way of getting a resolution as there is no phone or email support at Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My student loan debt is being illegally re-aged by the company that bought the debt, XXXX XXXX XXXX. They bought the debt in XXXX and are illegally re- aging the DOFD. My consumer disclosure file under FCRA 609 ( a ) ( 1 ) is pending but I was last able to pay my loans in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: Nelnet, Inc.
State: MA

Complaint narrative:
I have no problem with my NELNET student loans, other that to claim that NELNET automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from NELNET to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: CO

Complaint narrative:
Back in the late XXXX 's early XXXX 's I took out loans in the amount of roughly {$13000.00}, then in the late XXXX 's I was contacted by the agency to inform me that I was in danger of defaulting. I was told what I owed at the time and the figures didn't sound right. I was sceptical because I recall that I had only borrowed a little over {$13000.00}, I expressed my concerns because I had been a victim of identity theft. I was told to just do the consolidation to keep from going into default and sort it out later. I haven't been able to sort anything out, since then thousands of dollars have been added to my balance, I have made numerous calls to find out why my balance was increasing but instead of giving an answer I have been bounced from one place to the other. I was told that it must be interest. Then all of a sudden I am told that {$43.00} of compounded interest had been added to my account. Now my balance is over XXXX dollars. For years I have been trying to resolve this all the while not being able to qualify for loans that I've needed, I have had to go to numerous payday lenders and poor credit lenders because I'm told my debt to income ratio is too high. This has caused a severe amount of stress to me, I have also started a small business but do not qualify for any lending products. This is affecting my credit very negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: Gatestone & Co. International Inc.
State: TX

Complaint narrative:
Gatestone & Co. International, Inc . 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX This company took over collections of my XXXX XXXX account at some point. They contacted my employer, my daughter, and my husband. Most likely, they contacted my son as well, and I have an open credit card fraud case against him in my county. I certainly did not need him knowing any of my business as he and his current wife have stolen my Social Security number, accessed my medical records without my permission, hacked into my email, and created the credit card fraud mess I am now having to deal with. They claim to be XXXX XXXX when they call. They called my husband twice before he told them they could not call him as he is not on the account. I work 18 hour days as my husband is XXXX  and do not have time to talk for hours on the phone with anyone. I can, however, email or do an online chat. For some reason, XXXX XXXX took my account back for collections and I have worked out a plan with them to repay the full amount. I felt the need to report XXXX as they are vicious and are violating the Fair Debt Collection Practices Act. These people are not kind in any way and they make it worse for those of us already going through a nightmare. Please stop them from damaging anyone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On attached XX/XX/2019 Equifax XXXX Credit report XXXX Equifax represents on page 7 that it has in its possession my signature opening these accounts. It is respectfully requested that Equifax and XXXX XXXX/XXXX email a truth verified copy of this signature to XXXX or remove XXXX XXXX/XXXX from my attached page 13 credit report. 

Equifax additionally represents on page 7/8 that it has in its possession my signature opening this account. It is respectfully requested that Equifax and XXXX XXXX/XXXX email a truth verified copy of this signature to XXXX or remove XXXX XXXX from my attached page 13 credit report. 

Equifax please email my security freeze PIN to XXXX. 

On Page 15 on account of Equifax FRAUD the XX/XX/19 inquiry must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MA

Complaint narrative:
I requested a credit balance check in the month of XXXX. I called US Bank and asked when the check would arrive. I was told, instead, that the bank pushed the payments back to the third-party bill payer, CheckFreeBillPay. I shared my frustration with this action as I would have never requested this option. 
I called XXXX and they only refunded me four payments totaling, less than {$10000.00}. They gave the reference numbers and I received the return. However, the total return from US Bank was supposed to be {$10000.00}. I called US Bank and my phone call was elevated to a supervisor who created a inquiry about the missing ~ {$700.00} returned payment. A week later I received a letter from the Payment Research Department stating that the refund was completed given a trace number ( XXXX ). I called XXXX and they had no record of such a trace number. I provided them the US Bank altitude card number and saw the refund for the 4 payments that I already received. They clearly stated that there was no other refunded money. They checked the trace number 3 times. 
I called US Bank again, and again elevated to a supervisor who apologized and elevated the issue. A week later I received another letter from the Payment Research Department, stating the exact same words as the previous letter. XXXX from Payment Research Department said they it was received XXXX to XXXX with the same trace number. Again, XXXX has no idea what this number refers to and I am still waiting on my full refund for over a month. 
I am very angry at the customer service I have received. Its one thing to receive same exact letter a second time, insinuating that it must be my fault or that US Bank is not at fault at all, its another to place the burden on me to find the money you returned in the way I did not ask. 
I have found calling a third time to be a waste and rather a letter stating what has happened and my request for US Bank to call XXXX and then call me at XXXX or my husband at XXXX to tell us where the money is at. I do not want another letter. A person should be calling me. I have been patient about this issue but the treatment I have received is one of the worst I have received. 
I hope this issue is resolved. If not, I will elevate to the consumer financial protection board and pursue other legal remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
When handling checking and savings accounts Chase bank treats United States lawful permanent resents as foreigners and forces them to sign XXXX form. 

I am lawful permanent resident of the US and in XX/XX/2019 I had opened a checking and savings accounts with Chase. At the time of account opening I presented to Chase my passport withe XXXX stamp as a proof of my permanent resident status. 

Since the opening of my accounts I experienced difficulties with Chase as the bank required me to fill and submit to them XXXX form instead of the XXXX form. 

Chase rejected my multiple attempts to submit a properly filled XXXX from to them. First they rejected my XXXX form that I mailed to them early in XX/XX/2019. Then they have not processed my XXXX form filled by Chase 's branch associate and signed by my during my visit to Chase 's local branch in XXXX, MA. 

I accuse Chase of unfairly discriminating against newly arrived immigrants to the United States since Chase treats them as non-immigrant aliens and refuses to correct the clerical errors that cause incorrect classifications of permanent residents accounts as foreign accounts after multiple contacts by the customers informing Chase about the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX , XXXX, As Trustee For Stanwich Mortgage Loan Trust A and Carrington Mortgage Services LLC have, and are in violation of New jersey Statute 52:15D-13 WHICH CLEARLY STATES THAT ANY INSTITUTION SERVICING A MORTGAGE OF AN INDIVIDUAL IN RECEIPT OF THIS CERTIFICATION IS OBLIGATED UNDER NEW JERSEY LAW TO GRANT A  PERIOD OF FORBEARANCE BASED ON THE PARAMETERS OUTLINED ABOVE. 

I had received this certificate of eligibility on XX/XX/2019, which was 39 days before the sheriff sale, in which the above named companies proceeded with by deliberately violating state law by ignoring and refusing to honor, comply, obey, recognize and abide, in which they are, and have been instructed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management has contacted me at work and via my cell phone, both legal, but they call from a number that comes up as Unknown. I verbally told them to stop calling me at work and on my cell phone as I work XXXX hour days and do not have time to speak to them. The woman from Midland Credit Management told me she had not called me at work yet when I told her they could not call me there, she suddenly had the number at her fingertips to remove. My greatest concern at this point is that on their Pre-Legal notification, the Date of Default is listed as XX/XX/XXXX but the date of last payment is XX/XX/XXXX. How can an account be in default if the last payment was made in XXXX. Therefore, I am fully and rightfully disputing their claim that I owe {$4200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 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: MA

Complaint narrative:
I have no problem with my XXXX student loans, other that to claim that XXXX automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from XXXX to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: MA

Complaint narrative:
I have no problem with my XXXX student loans, other that to claim that XXXX automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from XXXX to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: MA

Complaint narrative:
I have no problem with my XXXX student loans, other that to claim that XXXX automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from XXXX to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: CO

Complaint narrative:
Back in the late XX/XX/XXXX's early XX/XX/XXXX 's I took out loans in the amount of roughly {$13000.00}, then in the late XX/XX/XXXX 's I was contacted by the agency to inform me that I was in danger of defaulting. I was told what I owed at the time and the figures didn't sound right. I was sceptical because I recall that I had only borrowed a little over {$13000.00}, I expressed my concerns because I had been a victim of identity theft. I was told to just do the consolidation to keep from going into default and sort it out later. I haven't been able to sort anything out, since then thousands of dollars have been added to my balance, I have made numerous calls to find out why my balance was increasing but instead of giving an answer I have been bounced from one place to the other. I was told that it must be interest. Then all of a sudden I am told that {$43.00} of compounded interest had been added to my account. Now my balance is over XXXX dollars. For years I have been trying to resolve this all the while not being able to qualify for loans that I've needed, I have had to go to numerous payday lenders and poor credit lenders because I'm told my debt to income ratio is too high. This has caused a severe amount of stress to me, I have also started a small business but do not qualify for any lending products. This is affecting my credit very negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: CO

Complaint narrative:
Back in the late XX/XX/XXXX 's earlyXX/XX/XXXX 's I took out loans in the amount of roughly {$13000.00}, then in the late XX/XX/XXXX 's I was contacted by the agency to inform me that I was in danger of defaulting. I was told what I owed at the time and the figures didn't sound right. I was sceptical because I recall that I had only borrowed a little over {$13000.00}, I expressed my concerns because I had been a victim of identity theft. I was told to just do the consolidation to keep from going into default and sort it out later. I haven't been able to sort anything out, since then thousands of dollars have been added to my balance, I have made numerous calls to find out why my balance was increasing but instead of giving an answer I have been bounced from one place to the other. I was told that it must be interest. Then all of a sudden I am told that {$43.00} of compounded interest had been added to my account. Now my balance is over XXXX dollars. For years I have been trying to resolve this all the while not being able to qualify for loans that I've needed, I have had to go to numerous payday lenders and poor credit lenders because I'm told my debt to income ratio is too high. This has caused a severe amount of stress to me, I have also started a small business but do not qualify for any lending products. This is affecting my credit very negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: IN

Complaint narrative:
I have tried to get the following fraudulent account removed from my report with Equifax for the last couple months. Despite numerous efforts Equifax continues to report it on my credit report. I have opened up a idenity theft complaint with the Indiana Attorney General 's Office. Please see the complaint number attached. I despite that the items be removed. If not, I will continue with further legal action. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX has contacted me at work and via my cell phone, both legal, but they call from a number that comes up as Unknown. I verbally told them to stop calling me at work and on my cell phone as I work XXXX hour days and do not have time to speak to them. The woman from XXXX XXXX XXXX told me she had not called me at work yet when I told her they could not call me there, she suddenly had the number at her fingertips to remove. My greatest concern at this point is that on their Pre-Legal notification, the Date of Default is listed as XX/XX/XXXX but the date of last payment is XX/XX/XXXX. How can an account be in default if the last payment was made in XXXX. Therefore, I am fully and rightfully disputing their claim that I owe {$4200.00}.

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 2019-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX 1. Credit Acceptance has NOT sent me my lien release for my old car XXXX XXXX XXXX XXXX since XX/XX/XXXX when Credit Acceptance received final payoff of loan on XX/XX/XXXX of {$6300.00}. 
2. Credit Acceptance has recorded on all of my 3 credit bureaus ( XXXX , XXXX and XXXX my loan as CLOSED. My loan is PAID IN FULL. FCRA violations. Credit Acceptance by law is to contact all 3 credit bureaus mentioned above -- as paid in full-zero balance.

3. Credit Acceptance has NOT recorded the month of XXXX XX/XX/XXXX payment for XXXX full payment on all 3 credit bureaus.

4. Credit Acceptance has NOT sent me my credits on my old loan. {$15.00} ( see attached ).

5. Payoff for my loan was {$6200.00} per right XXXX and on my finance papers. 
6. XXXX XXXX sent Credit Acceptance too much, {$6300.00}. {$110.00} difference due to me. 
7. Credit Acceptance stole my {$1600.00} down payment and added it to the cost of my old vehicle-see attached. Auto Dealer 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 explanation